Secured Lending Relationship Management Senior Manager

Wells Fargo Bank•Logan Square, PA

7d•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 accountable 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 oversees a diversified portfolio of commercial and asset-based lending relationships, leads analysis and review of complex client portfolios, and reviews and approves material credit actions within delegated authority. It provides leadership on criticized assets and special situations, develops credit professionals, and works with business partners on portfolio strategy and transactions. The role also interacts directly with clients, influences senior leaders and cross-functional partners, ensures adherence to credit and regulatory requirements, supports audits and examinations, drives sustainable process improvements, and manages people and financial resources. Travel is 20%, and the successful candidate must be willing to work on-site in one of the listed locations. The position is not eligible for visa sponsorship. Specific compliance policies may apply to outside activities or personal investing; affected employees must provide information to Wells Fargo’s Personal Account Dealing Team and comply with applicable policy requirements if hired.

Requirements

7+ years of secured and/or specialized lending relationship management, portfolio management, or leadership experience, or equivalent demonstrated through work experience, training, military experience, or education.
3+ years of management or leadership experience.
Willingness to work on-site in one of the listed locations.
Ability to travel 20%.

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.
Proven 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

Lead oversight of a diversified commercial and asset-based lending portfolio, maintaining credit quality, portfolio performance, disciplined risk management, and timely escalation of emerging risks.
Lead reviews and analysis of complex and strategic 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 work on criticized assets, restructurings, workouts, and other special situations in partnership with credit, risk, legal, and operations resources.
Manage, coach, and develop Credit Product Portfolio Managers, Underwriters, and Analysts; establish 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, 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 activities; 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.
Execute applicable risk programs, follow Wells Fargo policies and procedures, fulfill risk and compliance obligations, escalate and remediate issues, and make sound risk decisions.