Senior Lead Commercial Banking Portfolio Manager (Charlotte)

About this role:Wells Fargo is seeking a Senior Lead Commercial Banking Portfolio Manager to support its Middle Market banking practice as part of the Credit Portfolio Management team. This key position is responsible for credit underwriting and portfolio management to meet the long-term financial objectives and risk tolerance for commercial banking investor real estate clients. Serves as a key member of a client’s deal team.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 Middle Market (primarily Investor Real Estate (IRE)) clients and prospects.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, educationDesired Qualifications:6+ years of experience underwriting Investor Real Estate clients.Strong Investor Real Estate lending credit analysis skills with high attention to detail and accuracy.Experience with commercial, owner-occupied 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:This position is not eligible for Visa sponsorshipThis position offers a hybrid work scheduleSpecific 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 processAbility to travel up to 10% of the timeMay be considered for a discretionary bonus, Restricted Share Rights or other long-term incentive awardsJob Location:300 Barr Harbor Dr., Conshohocken, PA3100 West End Ave, Nashville, TN1100 Abernathy Rd, Atlanta, GA125 High St, Boston, MA99 S Wood Ave, Iselin, NJ4208 Six Forks Rd, Raleigh, NC1901 6th Ave N, Birmingham, AL320 Broad St, Charleston, SC1 Independent Dr, Jacksonville, FL100 S Ashley Dr, Tampa, FL10 S Jefferson St, Roanoke, VA 240111751 Pinnacle Dr, McLean, VA100 N Main St, Winston‑Salem, NC350 E Las Olas Blvd, Fort Lauderdale, FL1021 E Cary St, Richmond, VA171 17th St NW, Atlanta, GA550 S Tryon St, Charlotte, NC51 JFK Pkwy, Short Hills, NJSalary to be determined based on locationPay RangeReflected 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.$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:26 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: WEST CONSHOHOCKEN, PA; RALEIGH, NC; FORT LAUDERDALE, FL; BIRMINGHAM, AL; ROANOKE, VA; MCLEAN, VA; RICHMOND, VA; NASHVILLE, TN; CHARLESTON, SC; WINSTON SALEM, NC; BOSTON, MA; ATLANTA, GA; JACKSONVILLE, FL; CHARLOTTE, NC; ISELIN, NJ; TAMPA, FL; SHORT HILLS, NJType: Full time