EMM ABL Credit Product Portfolio Specialist

About this role: Wells Fargo is seeking a Principal Credit Product Portfolio Specialist to join our EMM Asset Based Lending team. 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, with a particular focus on emerging middle market and middle market relationships 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 Independently review and analyze client portfolios, including complex scenarios, for key issues related to cash flow or liquidity, leverage, working capital, debt coverage, collateral 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 anticipate and understand clients’ businesses, strategic objectives, operational priorities, and financial positions to identify opportunities for modifications, renewals, and refinancings and grow strategic relationships Lead complex modifications, renewals, and refinancings, including assessing a client’s financial position and risk level, including acting as an advisor to leadership for situations for both prospective and existing clients Lead the strategy and resolution of 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 applicable Strategically lead all levels across the enterprise, serve as expert advisor to leadership, and represent the company externally to resolve client issues and achieve business objectives including preparing for periodic exams by internal and external auditors Partner with management, functional partners and other senior leaders to provide vision, leadership, and industry expertise on evolving market needs that significantly influence the business and improve financial outcomes, including cross-functional strategies Lead client-related or cross-functional projects or teams that have broad-scale and long-term impact on the ABL business Required Qualifications: 10+ 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 Asset Based Lending experience Proven ability to lead and execute initiatives involving changing long-standing processes, including creating improvements and operational efficiency evidenced through implementation in business processes Extensive experience managing collateral risk exposure and identifying prospect and client risks through diligence and monitoring processes Strong background in working with and collaborating with IRM on a higher risk profile client portfolio through challenging circumstances Ability to collaborate with cross-functional teams and senior management to achieve project goals. Job Expectations: This position is not eligible for Visa sponsorship Hybrid work model Ability to travel 35% of the time 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 May be considered for a discretionary bonus, Restricted Share Rights or other long-term incentive awards 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. $185,000.00 - $300,000.00 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 Posting End Date: 15 Jun 2026 *Job posting may come down early due to volume of applicants. We Value Equal Opportunity Wells 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 Disabilities To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo. Drug and Alcohol Policy Wells 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. Wells Fargo & Company (NYSE: WFC) is a leading financial services company that has approximately $2.1 trillion in assets. We provide a diversified set of banking, investment and mortgage products and services, as well as consumer and commercial finance, through our four reportable operating segments: Consumer Banking and Lending, Commercial Banking, Corporate and Investment Banking, and Wealth & Investment Management. 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