Commercial Real Estate Program Analyst

2025 Commercial Real Estate Early Career Development Program

At Wells Fargo, we are looking for talented people who will put our customers at the center of everything we do. We are seeking candidates who embrace diversity, equity and inclusion in a workplace where everyone feels valued and inspired. Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.

Wells Fargo is seeking talent to join the 2025 Commercial Real Estate Early Career Development Program in Corporate and Investment Banking. Learn more about the career areas and lines of business at wellsfargojobs.com

Commercial Real Estate Overview

Commercial Real Estate delivers a comprehensive suite of capital markets, banking, and financial products and services. Commercial Real Estate provides financing services to experienced real estate owners, developers, investors, and real estate investment trusts (REITs), through all stages of their growth and development. We've built the strongest commercial real estate lending platform in the industry.

The CIB Commercial Real Estate Early Career Development Program is non-rotational. Offers are made for a specific Commercial Real Estate business and location, based on candidate preference and business need:

• Community Lending and Investment - Focus on investment and financing of affordable housing

You will work closely with the relationship managers in your office to underwrite real estate and develop a deep understanding of market fundamentals and borrower’s balance sheet profiles. You will also assist relationship managers as they meet with their clients on a regular basis to ensure we continue to meet their needs and to identify future opportunities. You will become an integral part of your office’s team and have the opportunity to assume a significant amount of responsibility that may include:

• Assembling complex financial models that project the potential financial performance of an asset as well as underwriting risks associated with market demand, supply, net effective rents, expenses, capitalization rates, and tenant quality.

• Researching specific real estate markets and assessing market data and trends affecting demand generators, risk presented by new supply, and comparable properties.

• Identifying credit issues early in the underwriting process and recommending ways to reduce exposure.

• Preparing borrower/guarantor financial reviews as well as writing memorandums focused on a borrower’s and guarantor’s adjusted net worth, leverage, liquidity, and other key risk factors, including cash flows and ability to service debt.

• Partnering with relationship managers to structure multi-million dollar transactions.

• Reviewing and assisting in the development of loan agreements and ancillary documents related to the closing of a transaction.

• Participating in property tours and site visits to develop a deeper understanding of the viability of the real estate and the related transaction.

• Working alongside relationship managers ensuring compliance with Wells Fargo’s “Know Your Customer” BSA/AML requirements.

• Engaging vendors to facilitate ordering and analyzing third-party reports, including appraisals, property condition reports, environmental reports, and costing analyses.

The training combines all the analysts from various lines of business and includes classroom instruction in financial accounting, cash flow, credit analysis, products, structuring, corporate valuation and financial modeling. Wells Fargo professionals and consultants with special expertise in their fields equip analysts with the skills, knowledge and tools to make an immediate contribution to their team. Analysts will also receive on-the-job coaching, mentoring, and feedback throughout their tenure.

This is a 2-year program with a program start date of July 2025.

Program Locations: We have positions available nationwide, however, a majority are located in the following cities: San Francisco and Los Angeles.

Pay Range:

• San Francisco: $100,000 - $110,000 Annually

• Los Angeles: $100,000 - $110,000 Annually

REQUIRED QUALIFICATIONS:

• 6+ months of Commercial Real Estate Relationship Management - Program experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

DESIRED QUALIFICATIONS:

CIB Commercial Real Estate Analysts must demonstrate a combination of academic aptitude, quantitative skills and personal motivation. It is preferred that your background includes:

• Knowledge and understanding of financial markets

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