Lead Credit Portfolio Consultant

Wells Fargo Bank•Charlotte, NC

11h•Onsite

About The Position

Wells Fargo is hiring a Lead Credit Portfolio Consultant within its Business Banking and SBA Construction Portfolio Services Division. The role manages credit and construction risk throughout the life cycle of commercial real estate construction projects, from underwriting and pre-closing due diligence through construction, funding, and project completion. The division evaluates construction risk and project feasibility, reviews due diligence and project documentation, coordinates loan closings, monitors construction progress and funding, identifies risks, and helps ensure compliance with credit policies and requirements. The team works with Relationship Managers, Senior Lead Commercial Banking Portfolio Managers, Independent Risk Management, and other Wells Fargo colleagues to identify, evaluate, and mitigate credit and construction risks related to real estate collateral. The consultant provides technical guidance on commercial real estate construction lending, handles complex credit and portfolio matters, and leads or participates in planning, projects, and initiatives. This position requires an onsite presence at one of the posted locations and does not offer visa sponsorship.

Requirements

5+ years of Credit Portfolio Consulting experience, or equivalent demonstrated through work experience, training, military experience, education.
Ability to assess construction and credit risk and evaluate project feasibility and documentation.
Strong analytical and problem-solving skills, including the ability to independently evaluate complex information and identify appropriate next steps.
Strong organizational skills and ability to manage multiple projects, transactions, or workstreams simultaneously.
Excellent written and verbal communication skills and ability to interact effectively with business partners, peers, and management.
Ability to work effectively in a matrixed environment and build partnerships across multiple functions.
Advanced proficiency with Microsoft Excel.
Ability to work onsite at one of the posted locations.

Nice To Haves

4+ years of commercial real estate experience, with experience in construction lending, underwriting, portfolio management, or construction loan administration.
Experience evaluating construction risk and project feasibility, including factors that may affect a project's ability to reach completion.
Knowledge of commercial real estate construction due diligence and permitting requirements.
Experience reviewing construction budgets, project documentation, and other information used to assess and monitor construction risk.
Experience with commercial real estate construction loan closings, draw administration, project funding, and post-closing construction monitoring.
Knowledge of commercial real estate credit risk and credit policy, including the ability to identify, evaluate, and escalate potential risks.
Experience working with Relationship Managers, underwriters, Portfolio Managers, credit partners, risk partners, or other commercial lending stakeholders.
Experience with Microsoft Access and SharePoint.

Responsibilities

Assess construction and credit risk throughout the project life cycle, including underwriting, closing, construction, funding, and project completion.
Review and analyze commercial real estate construction due diligence to evaluate project feasibility and identify potential risks.
Evaluate project documentation, including construction budgets, permitting, and other information needed to assess project readiness for successful completion.
Support commercial real estate construction loan closings, focusing on credit and collateral quality.
Monitor post-closing construction activity, including project progress, draw requests, and funding.
Identify and evaluate emerging construction, credit, or collateral risks and escalate issues as appropriate.
Ensure construction projects and related lending activities comply with applicable credit policies and loan requirements.
Make recommendations in complex situations using sound judgment and knowledge of commercial real estate construction and credit risk.
Collaborate with Relationship Managers, Portfolio Managers, Independent Risk Management, and other business partners to resolve construction and credit issues.
Serve as a technical resource and provide guidance on commercial real estate construction lending.
Participate in projects and initiatives supporting the broader credit and portfolio organization.
Lead or participate in moderately complex credit and portfolio consulting services.
Mentor and guide large-scale planning related to credit performance, potential or emerging risks, and credit and portfolio strategies.
Review and analyze potential or emerging credit risks requiring in-depth evaluation to ensure conformity with risk appetite, culture, and credit policies.
Resolve moderately complex credit issues.
Lead a team to meet deliverables, drawing on an understanding of credit products, programs, or related policies.
Collaborate with peers, colleagues, and mid-level managers to resolve credit portfolio issues and achieve goals.
Lead projects or teams, or mentor less experienced staff.