Senior Credit Portfolio Consultant

Wells Fargo Bank•Charlotte, NC

14h•Onsite

About The Position

Wells Fargo is hiring a Senior Credit Portfolio Consultant in its Business Banking and SBA Construction Portfolio Services Division. The role manages credit and construction risk throughout 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 project documentation and due diligence, coordinates loan closings, monitors construction and funding after closing, and provides guidance on construction lending. The consultant reviews construction budgets, permits, project plans, and other documentation; supports loan closings; monitors project progress and draw requests; and identifies, evaluates, and escalates credit, construction, or collateral risks. The role helps ensure projects and lending activities comply with applicable credit policies and loan requirements, makes recommendations in complex situations, and collaborates with Relationship Managers, Portfolio Managers, Independent Risk Management, and other business partners. It also provides technical guidance, participates in portfolio initiatives, leads or contributes to moderately complex consulting work, and mentors less experienced staff. This position requires an onsite presence at one of the posted locations and does not offer visa sponsorship. The listed base pay range is $87,000 to $154,000; employees may also be eligible for incentive opportunities. The posting end date is November 9, 2026, though the posting may be removed earlier due to applicant volume.

Requirements

At least 4 years of Credit Portfolio Consulting experience, or equivalent demonstrated through work experience, training, military experience, or education.
Strong analytical and problem-solving skills, including the ability to independently evaluate complex information and identify appropriate next steps.
Strong organizational skills and the ability to manage multiple projects, transactions, or workstreams simultaneously.
Excellent written and verbal communication skills for interacting 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

At least 4 years of commercial real estate experience, particularly in construction lending, underwriting, portfolio management, or construction loan administration.
Experience evaluating construction risk and project feasibility, including factors that may affect project 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 identifying, evaluating, and escalating 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 commercial real estate construction due diligence and evaluate project feasibility and potential risks.
Evaluate construction budgets, permits, project documentation, and other information needed to assess project completion prospects.
Support commercial real estate construction loan closings with a focus on credit and collateral quality.
Monitor post-closing construction progress, draw requests, and project 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 involving 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 planning related to credit performance, emerging risks, and credit and portfolio strategies.
Review and analyze potential or emerging credit risks to ensure conformity with risk appetite, culture, and credit policies.
Resolve moderately complex credit issues and lead a team to meet deliverables.
Collaborate with peers, colleagues, and mid-level managers to resolve credit portfolio issues and achieve goals.
Lead projects or teams, or serve as a mentor for less experienced staff.