Job title: Relationship Manager
Business Group/Line: Real Estate Group-Community Lending Division, Wholesale Banking
Location: San Francisco, CA
Number of months at Wells Fargo: 12
Undergraduate institution: Stanford University
Undergraduate major: Religious Studies
Graduate institution: University of California, Berkeley, MBA
Why did you choose Wells Fargo over other potential employers?

Three key reasons:
  • WellsFargo has a fantastic reputation and tradition of community involvement beyond its CRA requirements. I think the ethos of community service is one that is really valued here, and that resonates with me.
  • Wells Fargo has positioned itself as an employer that believes in a work and life balance. It’s known as a company that manages its expenses aggressively and demands precision and efficiency from its Team Members. But it’s also a company that understands Team Members have families and lives outside of the workplace. I think this is a big part of why so many Team Members are long-term. Also, how the company is able to run such efficient operations. It actively manages its employee turnover, and works to retain its talent.
  • Wells Fargo invests in its people. The fact that the company invested six months of training in me during the first year of my employment meant a lot to me. It’s something few other companies are willing to do. The Credit Management Training Program was challenging, and I’m glad to have it in my rear view mirror. That said, the skills it imparted and the type of thinking it encouraged was really valuable.

Would you recommend Wells Fargo as an employer? Why? What should students consider when making their choice for an employer?
I would recommend Wells Fargo as an employer. I think the company is well managed and a survivor in the rapidly consolidating financial services industry. I think in this era of corporate fraud and outsourcing, it’s important to feel comfortable with your company’s leadership team and how they view the future. I feel positive about our future together.

Has any one thing surprised you about Wells Fargo? If so, what?
I’d heard that Wells Fargo was extremely conservative, but had no idea what that meant until I went through credit training and heard from the management team. Wells Fargo guards very carefully its Moody’s “AA” credit rating, and you learn very quickly that you’d better learn to value it like our CEO does.

Has your perception of Wells Fargo changed from the time you were a student until now? How?
I came to Wells Fargo very naïve about the banking industry. I never thought of banking as sales, and have been pleasantly surprised at the amount of client engagement we’re expected to maintain. I enjoy getting in front of customers and competing for business, and I find the underwriting and credit analysis interesting and challenging.

Why is your program or business group a good fit for you?
I come from the non-profit sector, so working with affordable housing developers is very natural for me. I believe in the end product, and am proud to be part of a business line that’s really a double bottom line business. What are your co-workers like? My co-workers are all very dedicated, smart, and hard working.

At Wells Fargo, we pride ourselves on the professional development opportunities we provide. Are you taking advantage of these resources? If so, what and how?
I finished the Credit Management Training Program in February of 2005, and have since participated in two trainings offered by the Real Estate Group. I also participate in the quarterly Ken Rosen seminar, which I enjoy and find informative.

What do you think current students should do while in school to prepare themselves for your program?

Three key actions they can take:
  • Study accounting
  • Study accounting
  • Study accounting

Do you feel like you have enough free time to pursue a life outside of work? What do you do with your free time?
Yes, I’m about to become a new father so I’m busy getting my world ready for a new life. I play roller hockey in the evenings and have just taken up kite surfing. My life is full and busy, but that’s how I like it.

Day in the Life
This overview of a Team Member’s typical day on the job should give you an idea of what it’s like to work in this business group’s development program.
Day in the Life
8:00 a.m. - 10:00 a.m.How does your day begin? What time do you get in? What’s the first thing you do?
I usually get to work by 7:30 a.m. or 7:45 a.m. I always start with a cup of coffee and a list for the day. I check and return phone messages before opening my email.
10:00 a.m. - 12:00 noonWhat are your mornings like? How do you organize your daily “to-do” list?
Customer calls come first because if we don’t make loans, we don’t eat. I also try to prioritize those projects with the tightest timeline to make sure their financial reviews are up to date and in good order. They say “people first, credit second, real estate next.”
12:00 noon - 1:00 p.m.The morning’s wrapping up – what does the rest of the day hold? Do you have time for lunch?
I’m a notorious penny pincher, so I generally bring my lunch with me and try to eat outside. I try to avoid eating at my desk, but am occasionally guilty of doing so.
1:00 p.m. - 3:00 p.m.What are your afternoons like? Describe any unique business processes you engage in or meetings that you attend on a regular basis.
We spend a lot of time working on commitment letters for upcoming deals. I generally spend my afternoon working on financial analysis of either borrowers or potential deals.
3:00 p.m. - 5:00 p.m.Describe the end–of–day push. What gets done today? What gets pushed until tomorrow?
Triage time. I review my list for the day and make sure time sensitive correspondence makes it out before the end of the day. I put borrower requests first, and bank paperwork second. I typically spend some time every day making sure my records are in order, and I have a paper trail to follow for deals with sporadic movements.
5:00 p.m. - 7:00 p.m.Working late? What does this entail? What time do you leave? Do you take work home?
I try to head out by 5:00 p.m. and usually leave before 6:00 p.m.. I haven’t taken any work home yet. There’s kite surfing to do, roller hockey games to play, home improvements to make, and volunteer work. I’m the board chair for a non-profit working to improve access to business education for under-represented minorities.
 
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