Lead Credit Product Portfolio Specialist

Wells Fargo•Minneapolis, MN

20h•$139,000 - $239,000•Hybrid

About The Position

Wells Fargo is seeking a Lead Credit Product Portfolio Specialist within the Vendor Finance team, on the Healthcare and Industrial Finance group. 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. You 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. You will review and analyze complex multi-faceted, larger scale or longer-term business, operational, or technical challenges that require in-depth evaluation of multiple factors including intangibles or unprecedented factors. Independently review and analyze client portfolios, including complex scenarios, for key issues related to cash flow, liquidity, leverage, working capital, debt coverage, collateral or enterprise value 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 understand clients’ businesses, strategic objectives, operational priorities, and financial positions to identify and execute on opportunities for modifications, renewals, and refinancings. Lead complex initiatives including those that are cross functional with broad impact and handle portfolio of accounts and regular portfolio reviews to manage risk and lead problem loan resolutions, where applicable. Strategically collaborate with peers, functional partners, and middle to senior level managers to resolve client issues and actively contribute to large-scale planning related to a given product or specialty’s business objectives. Make decisions and resolve complex, multi-faceted issues and lead a team to meet a given product’s or specialty’s objectives while leveraging a sound understanding of relevant policies, procedures, and compliance requirements to meet business objectives and drive new initiatives. Partner with product management functional partners to provide vision, direction, and expertise to leadership on evolving market needs to enable the innovation, design, and delivery of credit solutions more effectively, including large-scale, cross-functional, or companywide strategies. Serve as a mentor for less experienced individuals.

Requirements

5+ 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

Nice To Haves

5+ years of equipment finance, vendor finance, or specialty lending experience.
Proven ability to structure, negotiate, and execute complex lending transactions from origination through closing.
Strong credit and financial analysis skills with experience developing tailored financing solutions.
Demonstrated success partnering across credit, risk, legal, and operations to drive deal execution.
Executive presence with the ability to present transaction recommendations and influence strategic decisions.

Responsibilities

Build and maintain effective relationships with existing clients within their products or functional area, including sharing relevant information with coverage team partners
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
Review and analyze complex multi-faceted, larger scale or longer-term business, operational, or technical challenges that require in-depth evaluation of multiple factors including intangibles or unprecedented factors
Independently review and analyze client portfolios, including complex scenarios, for key issues related to cash flow, liquidity, leverage, working capital, debt coverage, collateral or enterprise value 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 understand clients’ businesses, strategic objectives, operational priorities, and financial positions to identify and execute on opportunities for modifications, renewals, and refinancings
Lead complex initiatives including those that are cross functional with broad impact and handle portfolio of accounts and regular portfolio reviews to manage risk and lead problem loan resolutions, where applicable
Strategically collaborate with peers, functional partners, and middle to senior level managers to resolve client issues and actively contribute to large-scale planning related to a given product or specialty’s business objectives
Make decisions and resolve complex, multi-faceted issues and lead a team to meet a given product’s or specialty’s objectives while leveraging a sound understanding of relevant policies, procedures, and compliance requirements to meet business objectives and drive new initiatives
Partner with product management functional partners to provide vision, direction, and expertise to leadership on evolving market needs to enable the innovation, design, and delivery of credit solutions more effectively, including large-scale, cross-functional, or companywide strategies
Serve as a mentor for less experienced individuals