Lead Credit Product Portfolio Specialist

About this role:

Wells Fargo is seeking a Product Portfolio Specialist / Portfolio Manager to join its Accounts Receivable Securitization (ARS) team. This role is responsible for managing a portfolio of ARS clients, overseeing ongoing credit and collateral performance, and supporting portfolio growth initiatives. Key responsibilities include monitoring borrowing bases, reviewing field examinations, conducting portfolio reviews, and maintaining strong relationships with clients and internal stakeholders. The successful candidate will partner closely with Risk, Legal, Banking, and external financial institutions while helping drive strategic objectives for the ARS business.

In this role, you will:

• Manage a portfolio of approximately 9-12 Accounts Receivable Securitization clients.
• Monitor portfolio performance through borrowing base reviews, field exam analysis, covenant compliance, and ongoing risk assessment.
• Contribute to strategic initiatives aimed at retaining and growing the ARS portfolio, including identifying opportunities to enhance profitability and deepen client relationships.
• Lead transaction amendments and facility modifications, including commitment increases, renewals, deposit account control agreement changes, and borrowing base structural enhancements.
• Exercise sound judgment in complex situations by balancing client needs with credit discipline, risk management standards, and regulatory requirements.
• Partner with Risk Management, Banking, Legal, Operations, and other stakeholders to resolve issues and achieve business objectives.
• Communicate key portfolio developments, emerging risks, and mitigation strategies to management and risk partners.
• Serve as a resource and mentor to peers, helping develop best practices and fostering collaboration across the ARS platform.
• Participate in and lead special projects, including regulatory, policy, process improvement, and business transformation initiatives.

Required Qualifications:

• 5+ 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

Desired Qualifications:

• Experience with Accounts Receivable Securitization, Asset-Based Lending (ABL), or other structured finance products.
• Strong financial analysis and credit risk management skills.
• Experience working with large corporate clients, including companies with annual revenues exceeding $750 million.
• Proven ability to manage complex client relationships and transaction structures.
• Advanced proficiency in Microsoft Excel, Word, and PowerPoint.
• Experience in Commercial Banking, Corporate Banking, or Investment Banking environments.
• Strong written and verbal communication skills with the ability to influence stakeholders across multiple functions.
• Proficiency in Microsoft Word, Excel, and PowerPoint.

Job Expectations:

• Willingness to travel up to 10%.

• This position offers a hybrid work schedule

• Willingness to work on-site at stated location on the job opening.

• Specific compliance policies may apply regarding outside activities or personal investing; affected employees will be expected to provide information to the Wells Fargo Personal Account Dealing Team and abide by applicable policy requirements if hired. Information will be shared about expectations during the recruitment process

Posting End Date:

*Job posting may come down early due to volume of applicants.

We Value Equal Opportunity

Wells Fargo is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected characteristic.

Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit’s risk appetite and all risk and compliance program requirements.

Candidates applying to job openings posted in Canada: Applications for employment are encouraged from all qualified candidates, including women, persons with disabilities, aboriginal peoples and visible minorities. Accommodation for applicants with disabilities is available upon request in connection with the recruitment process.

Applicants with Disabilities

To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo.

Drug and Alcohol Policy

Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy to learn more.

Wells Fargo Recruitment and Hiring Requirements:

a. Third-Party recordings are prohibited unless authorized by Wells Fargo.

b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.