Director of Inventory Finance Client Management - National Dealers Accounts (Houston)

About this role:Wells Fargo is seeking a Director of Inventory Finance Client Management (Senior Lead Credit Product Portfolio Specialist) within our Inventory Finance business to support and grow relationships with our largest and most sophisticated dealer groups. This role serves as a strategic advisor and primary relationship leader for high‑value clients—typically large, multi‑location dealers with complex operating models and annual revenues from $100MM to exceeding $5 billion—while leveraging deep direct‑lending experience, strong financial and credit acumen, and advanced relationship‑building skills to structure and deliver inventory financing solutions that support clients’ growth, liquidity needs, and business strategies. Operating with a high level of autonomy, this leader partners closely with CIB and Commercial Banking market teams,Underwriting, Operations, and Risk teams to drive new opportunities, manage portfolio performance, and ensure the highest level of service to our dealers. In this role, you will:Act as an advisor to senior leadership to develop or influence long-term goals for highly complex business and technical needs across Commercial Banking or Corporate & Investment BankingMay be assigned a contractual territory and responsible for managing partner relationships to ensure deal opportunities are directed to the business, in alignment with agreement termsBuild and maintain effective relationships with existing clients within their products or functional area, including sharing relevant information with coverage team partners. Knowledge of syndications both lead & participant. Independently review and analyze client portfolios, including highly complex scenarios, for key issues related to cash flow, liquidity, leverage, working capital, debt coverage, collateral or enterprise value analysis, and repayment sources, including for use in periodic reviews as well as interim underwriting memorandaPartner with coverage teams within the context of individual deals and client relationships, to anticipate and understand clients’ businesses, strategic objectives, operational priorities, and financial positions to identify opportunities for modifications, renewals, and refinancingsLead modifications, renewals, and refinancings of varying complexity levels, including assessing a client’s financial position and risk level and acting as an advisor to leadership for highly complex situations for both prospective and existing clientsLead the strategy and resolution of highly complex and unique challenges by synthesizing industry and economic trends, including complicated legal and regulatory issues, in addition to regular portfolio reviews to manage risk and lead problem loan resolutions, where applicablePrepare for periodic exams by internal and external auditorsStrategically engage with all levels across the enterprise and serve as an expert advisor to leadership to resolve client issues and achieve business objectives while leveraging a sound understanding of relevant policies, procedures, and compliance requirementsPartner with product management functional partners and other senior leaders to provide vision, direction, and expertise to leadership on evolving market needs to enable the innovation, design, and delivery of credit solutions more effectively, including large-scale, cross-functional, or companywide strategiesRequired Qualifications:7+ years of secured or specialized lending relationship management or portfolio management experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, educationDesired Qualifications:Experience in commercial lending, asset‑based lending, or secured credit supporting large corporate or enterprise‑level clientsDemonstrated success managing complex client relationships with organizations exceeding $1B+ in annual revenue, ideally in capital‑intensive industries (e.g., manufacturing, transportation, distribution)Strong financial analysis capabilities, including evaluating cash flow, collateral, leverage, and liquidity structures for large commercial borrowersProven ability to originate, structure, and negotiate complex credit facilities involving multiple entities, collateral classes, or cross‑functional stakeholdersExperience partnering with credit, risk, underwriting, and portfolio management teams within a large financial institution to deliver integrated credit solutionsAbility to quickly learn and adapt to new industry verticals, products, or financing models, demonstrating intellectual curiosity and strategic thinkingTrack record of independently managing a high‑value portfolio with a strong focus on risk assessment, early issue identification, and proactive problem‑solvingExceptional executive‑level communication skills with the ability to present to senior leadership and influence outcomes in high‑visibility situationsExperience supporting clients in industries with inventory‑heavy, supply‑chain‑driven, or asset‑intensive business models, even if not in dealer or floorplan financeStrong strategic relationship‑building abilities, including experience navigating complex organizational structures and developing multi‑stakeholder engagement plansJob Expectations:Travel greater than 50%Willingness to work on-site in one of the listed locationsThis position is not eligible for Visa sponsorship Specific compliance policies may apply regarding outside activities or personal investing; affected employees will be expected to provide information to the Wells Fargo Personal Account Dealing Team and abide by applicable policy requirements if hired. Information will be shared about expectations during the recruitment process Pay RangeReflected is the base pay range offered for this position. Pay may vary depending on factors including but not limited to achievements, skills, experience, or work location. The range listed is just one component of the compensation package offered to candidates.Salary is just one component of Wells Fargo's total rewards package. Depending on the role, a Wells Fargo's employee may be eligible for additional forms of compensation, such as sales incentives, discretionary bonuses, and/or equity in the company in the form of Restricted Stock Units (RSUs).$159,000.00 - $305,000.00Benefits Wells Fargo provides eligible employees with a comprehensive set of benefits, many of which are listed below. Visit Benefits - Wells Fargo Jobs for an overview of the following benefit plans and programs offered to employees.Health benefits401(k) PlanPaid time offDisability benefitsLife insurance, critical illness insurance, and accident insuranceParental leaveCritical caregiving leaveDiscounts and savingsCommuter benefitsTuition reimbursementScholarships for dependent childrenAdoption reimbursementPosting End Date:30 Jul 2026*Job posting may come down early due to volume of applicants.We Value Equal OpportunityWells Fargo is an equal opportunity employer. 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.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.Applicants with DisabilitiesTo request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo.Drug and Alcohol PolicyWells Fargo maintains a drug free workplace. Please see our 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.SummaryLocation: CHARLOTTE, NC; ATLANTA, GA; JACKSONVILLE, FL; DES MOINES, IA; IRVING, TX; SAINT LOUIS, MO; MINNEAPOLIS, MN; HOUSTON, TX; CHICAGO, ILType: Full time