Commercial Banking Credit Analyst

Completed recruiter screening, hiring manager interview, and submitted a 3-statement financial spreading and risk assessment memo for a hypothetical middle-market borrower. Recruiter indicated the candidate was moving to the final executive panel. Recruiter subsequently went completely silent. The identical requisition remained live on the Wells Fargo careers site and was refreshed 5 times over the next 4 months. 📋 Uncompensated Assessment Details: Financial statement spreading and middle-market credit underwriting mock memo ⭐ Ghost Severity Rating: 4.04 / 5.0 Rating Analysis: High score based on 55 days of silence (4.3), cyclic reposting over a 6-month period (4.6), underwriting take-home submission (4.0), and 3 completed interview rounds (3.5). Rubric Breakdown: Silence: 4.3/5.0 | Rounds: 3.5/5.0 | Take-Home: 4.0/5.0 | Reposting: 4.6/5.0 | Consensus: 4.0/5.0 🔗 Community Discussion & Evidence: Reddit (340 upvotes, 72 comments) — https://www.reddit.com/r/recruitinghell/comments/18c47x1/wells_fargo_credit_analyst_case_ghost/ 🔍 Indeed Footprint: Cyclic Refreshes (every 30 days). Active on Indeed with recurring 30-day refresh stamps across commercial banking hubs. Indeed reviews document long delays and portal abandonments for analyst and underwriter openings.