Senior Secured Lending Relationship Manager

Wells Fargo & Company•Atlanta, GA

1d•$159,000 - $279,000•Hybrid

About The Position

Wells Fargo is seeking a Senior Secured Lending Relationship Manager within Channel Finance to manage and support a portfolio of existing, highly complex secured lending relationships. This role partners closely with coverage, product, and risk teams to proactively assess client performance, manage credit risk, and lead modifications, renewals, and refinancings aligned to client needs and bank objectives. Serving as a trusted advisor, the Relationship Manager applies deep financial, industry, and credit expertise to deliver thoughtful solutions while navigating complex regulatory and market conditions. The Channel Finance Enterprise team manages relationships with customers who typically have one of the following characteristics: publicly traded, private equity group (PEG) or sponsor owned, deals requiring Capital Markets and global bank customers.

Requirements

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

Nice To Haves

Strong understanding of core bank products and the ability to effectively partner with product teams across areas such as Treasury Management, foreign exchange, and interest rate hedging
Experience supporting and managing term loan structures and complex credit facilities within a relationship or portfolio management context
Proven ability to build, manage, and sustain complex client relationships, acting as a trusted advisor across credit cycles
Advanced credit underwriting capabilities, including financial statement analysis, cash flow assessment, enterprise value analysis, and risk evaluation
Working knowledge of syndicated lending environments, including coordination with internal partners and external lenders
Experience within Channel Finance or specialty finance platforms preferred, though not required

Responsibilities

Act as an advisor to senior leadership to develop or influence long-term goals for highly complex business and technical needs across Commercial Banking or Corporate & Investment Banking
May be assigned a contractual territory and responsible for managing partner relationships to ensure deal opportunities are directed to the business, in alignment with agreement terms
Build and maintain effective relationships with existing clients within their products or functional area, including sharing relevant information with coverage team partners
Independently review and analyze client portfolios, including highly complex scenarios, for key issues related to cash flow, liquidity, leverage, working capital, debt coverage, collateral or enterprise value analysis, and repayment sources, including for use in periodic reviews as well as interim underwriting memoranda
Partner with coverage teams within the context of individual deals and client relationships, to anticipate and understand clients’ businesses, strategic objectives, operational priorities, and financial positions to identify opportunities for modifications, renewals, and refinancings
Lead modifications, renewals, and refinancings of varying complexity levels, including assessing a client’s financial position and risk level and acting as an advisor to leadership for highly complex situations for both prospective and existing clients
Lead the strategy and resolution of highly complex and unique challenges by synthesizing industry and economic trends, including complicated legal and regulatory issues, in addition to regular portfolio reviews to manage risk and lead problem loan resolutions, where applicable
Prepare for periodic exams by internal and external auditors
Strategically engage with all levels across the enterprise and serve as an expert advisor to leadership to resolve client issues and achieve business objectives while leveraging a sound understanding of relevant policies, procedures, and compliance requirements
Partner with product management functional partners and other senior leaders to provide vision, direction, and expertise to leadership on evolving market needs to enable the innovation, design, and delivery of credit solutions more effectively, including large-scale, cross-functional, or companywide strategies