Senior Commercial Collections Representative

Wells Fargo•Des Moines, IA

4d•Hybrid

About The Position

Wells Fargo is seeking a Senior Commercial Collections Representative to join its Commercial Banking Operations team. The role provides strategic oversight of a specialized collections portfolio, leads resolution efforts, and develops strategies to reduce delinquency and mitigate losses. It applies advanced credit and account analysis to assess risk, structure account solutions, and manage vendor remedies and recourse. The position manages and negotiates complex delinquent loans in a high-risk portfolio of high-level collateralized accounts requiring special handling and analysis. It also supports performance standards and process improvements, provides subject matter guidance to less experienced colleagues, and exercises independent judgment while working toward business objectives and following applicable policies, procedures, and compliance requirements. The successful candidate will work a hybrid schedule, with an eight-hour schedule between 7:00 a.m. and 5:00 p.m. CST, subject to manager approval. Additional hours may be required based on business need, and the candidate must be willing to work on-site at the stated location: 801 Walnut Street, Des Moines, IA 50309. The position is not eligible for visa sponsorship.

Requirements

At least 2 years of Commercial Collections support experience, or equivalent demonstrated through work experience, training, military experience, education, or a combination of these.

Nice To Haves

Proven knowledge and understanding of collections operations, including compliance and governance oversight.
Ability to train and educate employees on effective collection techniques and best practices.
Excellent verbal, written, and interpersonal communication skills.
Ability to identify root-cause issues and recommend process improvements.
Experience monitoring a peer work group for coaching and compliance.
Highly organized and detail-oriented, with the ability to handle multiple tasks simultaneously and prioritize effectively.
Strong attention to detail and accuracy.
Intermediate proficiency with Microsoft Office Suite, including Word, Excel, and Outlook.
Technical skills with Artiva and/or Lease Connect.

Responsibilities

Manage, review, and negotiate a high-risk portfolio of complex delinquent loans involving high-level collateralized accounts that require special handling and analysis.
Understand and execute company policies and procedures.
Assist in setting performance standards and recommend process or policy improvements to enhance customer satisfaction.
Provide subject matter expertise and interpret procedures for less experienced individuals.
Make decisions and resolve issues to meet business objectives.
Interpret policies, procedures, and compliance requirements.
Collaborate and consult with peers, colleagues, and managers to resolve issues and achieve goals.
Interact with internal customers.
Exercise independent judgment while developing knowledge of the function, policies, procedures, and compliance requirements.
Lead resolution efforts and develop strategies to reduce delinquency and mitigate losses.
Apply credit and account analysis to assess risk, structure account solutions, and manage vendor remedies and recourse.