Secured Lending Relationship Management Senior Manager

Wells Fargo & Company•Philadelphia, PA

1d•Onsite

About The Position

Wells Fargo is seeking a Credit Product Portfolio Senior Manager to provide strategic, technical, and people leadership across a complex commercial and asset-based lending portfolio. The role is responsible for portfolio quality, underwriting consistency, risk identification, credit administration, regulatory and policy adherence, client retention, profitable growth, and talent development. The leader partners with Business Development Officers, Relationship Managers, Underwriters, Credit Officers, Operations, Legal, Compliance, and Risk partners to support well-structured growth while maintaining strong credit discipline. The position leads oversight of diversified commercial and asset-based lending relationships, reviews and approves complex credit actions within delegated authority, and provides leadership on criticized assets, restructurings, workouts, and special situations. It manages and develops credit professionals, supports portfolio and account planning, and works with clients and internal partners on credit matters, transactions, regulatory requirements, and sustainable process improvements. The role also manages people and financial resources to meet commitments and area objectives.

Requirements

At least 7 years of secured and/or specialized lending relationship management, portfolio management, or leadership experience, or equivalent demonstrated through work experience, training, military experience, education, or a combination.
At least 3 years of management or leadership experience.

Nice To Haves

Extensive commercial banking, credit underwriting, and portfolio management experience, including direct Asset-Based Lending experience with borrowing-base structures, field examinations, collateral audits, dominion of funds, and availability monitoring.
Strong knowledge of commercial lending structures, financial statement analysis, cash-flow and collateral evaluation, loan documentation, covenant design, and risk-rating principles.
Experience assessing receivables, inventory, equipment, appraisal concepts, ineligible collateral, reserves, dilution, concentration risk, borrowing bases, and collateral controls.
Experience reviewing, challenging, and communicating complex credit recommendations to senior management and credit approval partners.
Experience with middle-market, large corporate, syndicated, leveraged, or sponsor-backed transactions.
Experience managing criticized assets, restructurings, workouts, problem-loan resolutions, and distressed-credit situations.
Ability to lead, coach, develop, and retain experienced credit professionals while building succession readiness and organizational depth.
Ability to balance business growth and client retention with independent credit judgment, risk appetite, and control requirements.
Strong executive communication skills, including clear credit writing, confident presentation of recommendations, and ability to influence senior leaders, clients, and control partners.
Ability to connect portfolio trends, industry developments, staffing needs, process controls, and business objectives to drive strategic and operational decisions.
Formal commercial credit training.
Bachelor's degree in Finance, Accounting, Economics, Business, or a related discipline.
MBA, CFA, CPA, or another relevant advanced degree or professional credential.

Responsibilities

Oversee a diversified portfolio of commercial and asset-based lending relationships, maintaining credit quality, portfolio performance, disciplined risk management, and timely escalation of emerging risks.
Lead a team reviewing and analyzing complex client portfolios, including cash flow, liquidity, leverage, working capital, debt coverage, collateral and enterprise value, covenant compliance, and repayment sources.
Review and approve complex credit recommendations, risk-rating changes, amendments, renewals, modifications, refinancings, and other material credit actions within delegated authority.
Lead responses to criticized assets, restructurings, workouts, and special situations with relevant credit, risk, legal, and operations partners.
Manage, coach, and develop Credit Product Portfolio Managers, Underwriters, and Analysts; set performance expectations and promote consistent underwriting, monitoring, and documentation standards.
Lead portfolio reviews, account planning, staffing priorities, succession planning, work allocation, credit-quality initiatives, and talent development activities.
Partner with Relationship Managers and Business Development Officers on opportunities, renewals, portfolio strategy, transaction structuring, due diligence, underwriting, and credit-term negotiations.
Interact directly with clients on complex credit, collateral, covenant, liquidity, and performance matters while balancing client needs, portfolio returns, growth objectives, and independent credit judgment.
Collaborate with and influence senior leaders and cross-functional partners on complex scenarios, industry and economic trends, legal and regulatory matters, and process or control gaps.
Ensure adherence to credit policies, procedures, approval authorities, and regulatory requirements, including standards for credit files, borrower reporting, collateral monitoring, covenant compliance, and approval documentation.
Support internal reviews, audits, examinations, and remediation; implement sustainable process improvements that strengthen portfolio control and execution.
Manage allocation of people and financial resources to meet commitments and align with area strategic objectives.