Distribution Finance Relationship Management Senior Manager

Wells Fargo•Medina, MN

2d•$175,000 - $279,000•Onsite

About The Position

About this role: Wells Fargo is seeking a Distribution Finance Relationship Management Senior Manager who will lead the strategic direction and overall relationship with one of our largest Joint Venture (JV) partners. This role will oversee a dedicated team responsible for delivering comprehensive portfolio support, financial partnership, and operational excellence across the JV’s distribution finance programs. As the primary relationship owner, the Senior Manager will ensure the JV receives consistent, high‑quality insights, guidance, and execution to maximize portfolio performance. This leader will be accountable for portfolio health, risk optimization, and long-term growth while cultivating a strong, collaborative partnership with JV leadership. The role requires navigating complex business dynamics, aligning cross‑functional resources, and driving continuous improvement to support the broader JV strategy. Ideal candidates will bring a balance of strategic vision, relationship management expertise, and team leadership to deliver exceptional results in a fast‑paced environment. This role is required to work on-site at the 2100 Hwy 55, Medina, MN location.

Requirements

6+ years of secured and/or specialized lending relationship management or portfolio management or leadership experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
3+ years of management or leadership experience

Nice To Haves

Deep credit risk assessment and underwriting or loan workout experience, including evaluating complex financial statements, collateral structures, and dealer/distributor performance
Strong understanding of inventory finance, floorplan lending, and asset‑based lending credit principles
Demonstrated ability to lead or influence credit decisioning, risk mitigation strategies, and portfolio optimization efforts
Proven track record supporting or managing large, complex Joint Venture, OEM, or strategic partnership relationships
People leadership experience, with success developing high‑performing credit, underwriting, or relationship management teams
Experience collaborating closely with Risk, Credit, Operations, and Legal partners to drive sound portfolio decisions
Strong analytical capabilities, including financial modeling, trend analysis, and forecasting
Ability to synthesize complex credit insights into clear recommendations for senior leaders and JV partners
Excellent communication and negotiation skills, with the ability to influence internal stakeholders and external partners
Demonstrated ability to deliver process improvements, enhance credit workflow efficiency, or implement portfolio risk controls
Bachelor’s degree (MBA or other advanced degree preferred)

Responsibilities

Determine appropriate strategy and actions of functional area to meet to high-risk deliverables; interpret and develop policies and procedures for function with moderate complexity within scope of responsibility
Develop and guide a culture of talent development to meet business objectives and strategy in building and maintaining effective relationships with existing clients within their product(s) or functional area, including sharing relevant information with coverage team partners
Lead the team to review and analyze client portfolios for key issues related to cash flow, liquidity, leverage, working capital, debt coverage, collateral/enterprise value analysis, and repayment sources, including for use in periodic reviews as well as interim underwriting memoranda
Interact directly with external clients within the context of individual deals and client relationships and develop a team to anticipate and understand clients’ businesses, strategic objectives, operational priorities, and financial positions to identify opportunities for modifications, renewals, and refinancings
Manage a team of individuals and provide leadership for moderate to highly complex modifications, renewals, and refinancings, including assessing a client’s financial position and risk level for both prospective clients and existing clients
Collaborate with and influence all levels of professionals, including senior managers to lead the strategy and resolution of moderate to highly complex scenarios and unique challenges by synthesizing industry and economic trends, including legal and regulatory issues, in addition to regular portfolio reviews to manage risk and lead problem loan resolutions, where applicable
Ensure the initial set up and management of the portfolio adheres to all applicable credit policies or compliance requirements and prepare for periodic exams by internal and external auditors
Partner with product management functional partners to provide vision, leadership, and industry expertise on evolving market needs, leading to the development of significant cross-functional process improvement and risk control development
Provide leadership and expertise on multi-faceted issues to multiple levels of management and lead a team to implement significant solutions, new product initiatives, and influence financial operations
Manage allocation of people and financial resources to ensure commitments are met and align with strategic objectives for area of responsibility