Summer Financial Analyst Program (FAP)

Corporate & Commercial Lending

Summer Financial Analyst Program

Explore a lending career with Wells Fargo while building the professional skills and network to take you further by joining the Summer Financial Analyst Program (SFAP). Your summer begins with an orientation session that will give you broad exposure to the different areas of Wholesale Banking, as well as the opportunity to build a network of peers and senior leaders that will help you throughout your career.

For the rest of the summer, you will join a lending office in one of the following groups based on your preference, and the needs of the business:

There, you will evaluate the financial, operational, and managerial strengths and weaknesses of our clients/prospects and learn how those factors drive lending decisions. You will also work with relationship managers to structure large, often complex deals, and help prepare client presentation materials.

All this will prepare you to become a full-time Financial Analyst in Corporate and Commercial Lending once you graduate.


Based on your assigned business line, your responsibilities may include:

  • Analyzing a company's financial, operational, and management strengths and weaknesses to identify potential capital, balance sheet, and reputation risks
  • Identifying credit issues early in the underwriting process and recommending ways to reduce exposure
  • Partnering with relationship managers to structure multimillion- and multi-billion dollar transactions
  • Preparing annual company financial reviews and underwriting memos focused on a company's leverage, key risk factors, repayment sources, cash flow, and ability to service debt
  • Reviewing and assisting in the negotiation of loan agreements and ancillary documents related to a transaction closing
  • Understanding client needs and identifying other Wells Fargo products and services that can help clients achieve their goals
  • Tracking the ongoing financial performance of individual properties within the loan portfolio, comparing the actual performance to underwritten, appraised and borrower's projections, and ensuring loan and guarantor covenants are monitored
  • Participating in property tours and site visits to develop a deeper understanding of the viability of the real estate and the related transaction
  • Analyzing government entities (states, local governments, and utilities) and nonprofit organizations that include hospitals, schools, social service agencies, museums, and performing arts institutions
  • Partnering with public finance analysts to build clients' debt profiles
  • Participating in property tours and site visits to develop a deeper understanding of the viability of the real estate and the related transaction
  • Spreading financial statements and assessing the client's compliance with financial covenants
  • Preparing or reviewing enterprise valuations and discounted cash flow analyses on clients (only in select business units)
  • Investigating creditor rights and legal ramifications in a potential restructure, and assisting with periodic re-underwriting, credit recommendations, collection of legal documentation, and credit post-restructure monitoring

Your next step

After successfully completing the summer program, you will be eligible to participate in the full-time Financial Analyst Program in Corporate and Commercial Lending when you graduate.

Available locations

Opportunities are available nationwide.


Required qualifications
  • Bachelor's degree with an expected graduation date in December 2018 or May/June 2019
Desired qualifications
  • Strong analytical skills and high attention to detail and accuracy
  • Excellent verbal, written, and interpersonal communications skills
  • Strong organizational, multi tasking, and prioritizing skills
  • Ability to take on a high level of responsibility, initiative, and accountability
  • Intermediate Microsoft office skills

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