Credit Product Portfolio Analyst -Asset Based Lending

Wells Fargo Bank•Dallas, TX

About The Position

Wells Fargo is seeking a Credit Product Portfolio Analyst within Wells Fargo Capital Finance. The role may be based in Dallas, Texas, or Scottsdale, Arizona, with hiring manager alignment determined by the candidate’s location. The analyst supports the Asset Based Lending product area by reviewing client portfolios, assessing credit and repayment risks, and contributing to portfolio management and client relationship activities. The role partners with senior peers and product management and functional partners to support client servicing, deal-related analysis, credit solutions, and product planning. The analyst reviews business, operational, and technical assignments, evaluates alternatives, and exercises independent judgment on medium-risk deliverables. The position includes participation in portfolio reviews, underwriting memoranda, risk management, and problem loan resolutions as applicable. The role requires 2+ years of relevant secured or specialized lending relationship management or portfolio management experience, or equivalent experience, training, military experience, or education. The position may involve travel of 10%–20% and is not eligible for visa sponsorship. The posted base salary range is $77,000–$121,000. Eligible employees may receive additional compensation, such as sales incentives, discretionary bonuses, or restricted stock units. Wells Fargo describes a comprehensive benefits package for eligible employees.

Requirements

At least 2 years of secured or specialized lending relationship management or portfolio management experience, or equivalent demonstrated through work experience, training, military experience, or education.
Ability to travel 10%–20%.
Not eligible for visa sponsorship.

Nice To Haves

Asset-Based Lending (ABL) experience, including credit evaluation and risk assessment, knowledge of large corporate lending, and working knowledge of ABL and capital markets.
Completion of a Financial Analyst or Credit Analyst training program.
Experience reviewing and accurately interpreting loan documentation.
Effective organizational, multitasking, and prioritizing skills.
Ability to lead and coordinate with team members across Wells Fargo.
Strong verbal and written communication skills.
Proven success in customer-facing roles and experience building and maintaining client relationships.
Advanced proficiency in Microsoft Office Suite, including Excel, PowerPoint, and Word.
Bachelor’s degree in Business, Finance, Economics, Accounting, or a related field.

Responsibilities

Build and maintain relationships with existing clients, share relevant information with coverage partners and senior peers, and support client relationships within the assigned product or functional area.
Review and analyze business, operational, or technical assignments and challenges, evaluate alternatives, and use independent judgment to guide medium-risk deliverables.
Support reviews and analyses of low- to moderately complex client portfolios, including cash flow, liquidity, leverage, working capital, debt coverage, collateral, enterprise value, and repayment sources.
Prepare or support periodic reviews and interim underwriting memoranda.
Present recommendations for resolving low- to moderately complex situations and develop expertise in applicable functions, policies, procedures, and compliance requirements.
Partner with senior peers on deals and client relationships to develop inquiries and identify information gaps concerning clients’ businesses, strategic objectives, operational priorities, and financial positions.
Identify and execute opportunities for modifications, renewals, and refinancing.
Participate in regular portfolio reviews to manage risk and lead problem loan resolutions where applicable.
Partner with product management functional partners to provide feedback on tools used to deliver credit solutions that meet client and market needs.
Collaborate and consult with senior peers and functional partners to resolve client servicing requests and product-related inquiries.
Contribute to functional area planning related to a product.
Travel 10%–20%.