Senior Lead Credit Product Origination Specialist

Wells Fargo•Los Angeles, CA

1d•Hybrid

About The Position

Wells Fargo is seeking a Lead Equipment Finance Sales Specialist for our Transportation group covering Alaska, Idaho, Montana, Oregon, Utah, Washington, Wyoming, California, Hawaii and Nevada. In this role, you will be responsible for creating sales opportunities with equipment finance clients and prospects. This includes identifying, acquiring, and growing new relationships within the transportation industry across the specified states. The role involves coordinating the completion of finance requests from initiation through credit review, documentation, and funding. You will also identify and recommend opportunities for process improvement and risk control development, interpret policies, procedures, and compliance requirements, and collaborate with peers, colleagues, and managers to resolve issues and achieve goals. Interaction with internal customers is expected, and you will receive direction from leaders while exercising independent judgment to understand function, policies, procedures, and compliance requirements.

Requirements

7+ years of secured or specialized lending sales experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

Nice To Haves

7+ years of Equipment Finance experience
Basic knowledge of lending products
Basic knowledge and understanding of tax, accounting, and legal issues; associated with purchase money financings and credit issues, including program master loan documentation, customer loan and lease agreements, and inventory credit facilities
Strong collaboration skills with other lines of business
Ability to qualify, structure, price, negotiate, and close credit transactions
High degree of structuring experience with financial products including loans, FMV leases, and inventory lines
Knowledge of and ability to interpret financial statements
Demonstrated history of meeting and exceeding business goals and objectives
Excellent verbal and written communication skills

Responsibilities

Responsible for creating sales opportunities with equipment finance clients and prospects
Identifies, acquires, and grows new relationships within the transportation industry in AK, ID, MT, OR, UT, WA, WY, CA, HI and NV
Coordinate the completion of finance request from initiation, credit review process, documentation and funding of transaction
Identify and recommend opportunities for process improvement and risk control development
Interpret policies, procedures, and compliance requirements
Collaborate and consult with peers, colleagues and managers to resolve issues and achieve goals
Interact with internal customers
Receive direction from leaders and exercise independent judgment while developing the knowledge to understand function, policies, procedures, and compliance requirements
Originate transactions in direct origination for new relationships and growth opportunities
Manage and grow existing business relationships with commercial businesses
Oversee growth opportunities and business relationships
Lead complex initiatives and sourcing of new clients or growing of existing relationships for a given product or specialty in close coordination with coverage teams
Understand clients’ businesses, strategic objectives, operational priorities, and financial positions within the context of individual deals and client relationships
Work independently on client transactions in partnership with client teams, including complex, larger, and multi-product financing opportunities, including analyzing potential opportunities, structuring, proposing, and selling tailored financial solutions to clients, leading internal coordination, and submitting transactions to management or independent risk for approval
Strategically collaborate and consult with peers, colleagues, mid to senior level managers to resolve client issues and achieve business objectives
Make decisions and resolve complex, multi-faceted situations and lead a team to meet a given product or specialty’s objectives while leveraging a sound understanding of relevant policies, procedures, and compliance requirements to meet deliverables and drive new initiatives
Partner with product management functional partners to provide recommendations to leadership on evolving market needs to enable the innovation, design, and delivery of credit solutions more effectively
Participate in large-scale planning related to a given product or specialty’s business objectives
Serve as a mentor for less experienced individuals