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.

About this role:

Wells Fargo is seeking a Senior Lead Commercial Banking Portfolio Manager in Middle Market Banking as part of the Southeast Division Credit Portfolio Management team. This key position is responsible for credit portfolio management to meet the long-term financial objectives and risk tolerance for commercial banking clients. Serves as a key member of a client’s deal team. Learn more about the career areas and lines of business at wellsfargojobs.com (https://www.wellsfargojobs.com/career-areas/)

#commercialbanking

In this role, you will:

• Partner with relationship managers and other deal team members as a key client-facing member of the relationship team.

• Review, research, and recommend solutions for highly complex and unique challenges requiring in-depth evaluation of multiple factors.

• Deliver solutions which require vision, creativity, innovation, advanced analytical and inductive thinking, coordination of highly complex activities, and guidance to others.

• Engage with Commercial Banking Portfolio Management professionals and managers across the company and serve as an expert advisor to leadership.

• Make decisions and recommendations in complex and multifaceted situations requiring exceptional understanding of the function, policies, procedures, and compliance requirements that influence and lead the broader work team to meet deliverables and deliver client solutions.

• Collaborate and consult with Commercial Banking peers, colleagues, and mid- to high-level managers to resolve issues and achieve goals.

• Lead projects, teams, or serve as a peer mentor.

• Manage the credit needs of a portfolio of complex clients and prospects, primarily focused on clients with annual revenues greater than $100,000,000.

• Monitor assigned portfolio of credit commitments to ensure on-going compliance with loan agreements, covenants and payoff requirements and resolve problem accounts in partnership with deal teams.

• Determine the credit worthiness of prospective clients by analyzing financial statements, projections, appraisals, meeting and interviewing the prospective client’s management team, analyzing and obtaining a detailed understanding of the prospective client’s cash flows and balance sheet, leverage and key risks.

• Prepare, review and edit credit memos and present recommendations to senior approvers.

• Negotiate appropriate terms and conditions for the largest and most complex transactions, and work with deal teams to ensure appropriate documentation is in place.

• Identify critical transactional and structural risks and propose appropriate structuring alternatives to mitigate those risks.

• Ensure compliance with all policy and regulatory requirements.

Required Qualifications:

• 7+ years of Commercial Banking Portfolio Management experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

Desired Qualifications:

• 7+ years of experience underwriting middle market and corporate clients.

• Strong cash flow and asset-based lending credit analysis skills with high attention to detail and accuracy.

• Experience with bank syndications, multi-bank participations and clients with varying and complex capital structures including collateral and cash flow waterfalls; subordinated debt layers; and complex ownership structures.

• Experience with commercial, owner-occupied real estate, and investor real estate lending including documentation, due diligence and regulatory compliance processes.

• Experience negotiating, managing and amending complex credit facility legal documentation.

• Strong risk management and compliance skills.

• Excellent verbal, written, and interpersonal communication skills.

• MBA degree preferred.

Job Expectations:

• Ability to travel up to 10% of the time

• No Visa Sponsorship available for this role

• Hybrid work schedule will be 4 days in office, 1 day remote

Job Locations:

Primary: Charlotte, NC

Additional: Raleigh, NC/Winston Salem, NC/Greensboro, NC/Nashville, TN/Atlanta, GA/Louisville, KY

Posting End Date:

15 Mar 2025

*Job posting may come down early due to volume of applicants.

We Value Diversity

At Wells Fargo, we believe in diversity, equity and inclusion in the workplace; accordingly, we welcome applications for employment from all qualified candidates, regardless of race, color, gender, national origin, religion, age, sexual orientation, gender identity, gender expression, genetic information, individuals with disabilities, pregnancy, marital status, status as a protected veteran or any other status protected by applicable law.

Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit’s risk appetite and all risk and compliance program requirements.

Candidates applying to job openings posted in US: All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected characteristic.

Candidates applying to job openings posted in Canada: Applications for employment are encouraged from all qualified candidates, including women, persons with disabilities, aboriginal peoples and visible minorities. Accommodation for applicants with disabilities is available upon request in connection with the recruitment process.

Applicants with Disabilities

To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo (https://www.wellsfargojobs.com/en/diversity/disability-inclusion/) .

Drug and Alcohol Policy

Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy (https://www.wellsfargojobs.com/en/wells-fargo-drug-and-alcohol-policy) to learn more.

Wells Fargo Recruitment and Hiring Requirements:

a. Third-Party recordings are prohibited unless authorized by Wells Fargo.

b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.

Req Number: R-441613