Lead Credit Product Portfolio Specialist

Lead Credit Product Portfolio Specialist

Wells Fargo is seeking a Lead Credit Product Portfolio Specialist within the Vendor Finance team, on the Healthcare and Industrial Finance group. In this role, you will build and maintain effective relationships with existing clients within their products or functional area, including sharing relevant information with coverage team partners. You may be assigned a contractual territory and responsible for managing partner relationships to ensure deal opportunities are directed to the business, in alignment with agreement terms. You will review and analyze complex multi-faceted, larger scale or longer-term business, operational, or technical challenges that require in-depth evaluation of multiple factors including intangibles or unprecedented factors. Independently review and analyze client portfolios, including 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 memoranda. Partner with coverage teams within the context of individual deals and client relationships, to understand clients' businesses, strategic objectives, operational priorities, and financial positions to identify and execute on opportunities for modifications, renewals, and refinancings. Lead complex initiatives including those that are cross functional with broad impact and handle portfolio of accounts and regular portfolio reviews to manage risk and lead problem loan resolutions, where applicable. Strategically collaborate with peers, functional partners, and middle to senior level managers to resolve client issues and actively contribute to large-scale planning related to a given product or specialty's business objectives. Make decisions and resolve complex, multi-faceted issues and lead a team to meet a given product's or specialty's objectives while leveraging a sound understanding of relevant policies, procedures, and compliance requirements to meet business objectives and drive new initiatives. Partner with product management functional partners 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 strategies. Serve as a mentor for less experienced individuals.

Required Qualifications: 5+ 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, education. Desired Qualifications: 5+ years of equipment finance, vendor finance, or specialty lending experience. Proven ability to structure, negotiate, and execute complex lending transactions from origination through closing. Strong credit and financial analysis skills with experience developing tailored financing solutions. Demonstrated success partnering across credit, risk, legal, and operations to drive deal execution. Executive presence with the ability to present transaction recommendations and influence strategic decisions.

Job Expectations: Ability to travel 10% of the time. In office requirement of 4 days in office. Not eligible for visa sponsorship. Pay Range Reflected is the base pay range offered for this position. Pay may vary depending on factors including but not limited to demonstrated examples of prior performance, skills, experience, or work location. Employees may also be eligible for incentive opportunities. $139,000.00 - $239,000.00 Benefits 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 benefits 401(k) Plan Paid time off Disability benefits Life insurance, critical illness insurance, and accident insurance Parental leave Critical caregiving leave Discounts and savings Commuter benefits Tuition reimbursement Scholarships for dependent children Adoption reimbursement