Lead Commercial Banking Portfolio Manager

2 weeks ago


Charlotte, North Carolina, United States WELLS FARGO BANK Full time
About This Role

We are seeking a highly skilled Lead Commercial Banking Portfolio Manager to join our team at Wells Fargo. As a key member of our credit management team, you will be responsible for credit underwriting and portfolio management to meet the long-term financial objectives and risk tolerance for commercial banking clients.

Key Responsibilities
  • Manage, maintain, and grow a middle market portfolio, including underwriting, origination, documentation, and ongoing monitoring, in adherence with applicable credit policies, procedures, and compliance requirements.
  • Work directly with clients and prospects to understand complex credit needs and represent the bank in developing and maintaining client relationships.
  • Participate in performing financial research, underwriting, and structuring of highly complex relationships within Commercial Banking Portfolio Management.
  • Determine the credit worthiness of prospective clients by analyzing financial statements, projections, appraisals, meeting and interviewing the prospective client's management team, analyzing and obtaining a detailed understanding of the prospective client's cash flows and balance sheet, leverage, and key risks.
  • Make decisions and recommendations in complex and multifaceted situations requiring exceptional understanding of the function, policies, procedures, and compliance requirements that influence and lead the broader work team to meet deliverables and deliver client solutions.
  • Prepare, review, and edit credit memos and present recommendations to senior approvers.
  • Resolve moderately complex issues in conjunction with functional Commercial Banking Portfolio Management team, to meet project deliverables.
  • Collaborate and consult with senior management, functional colleagues, internal partners, and stakeholders.
  • Train and mentor analysts or junior portfolio managers.
Requirements
  • 5+ years of Commercial Banking Portfolio Management experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education.
Preferred Qualifications
  • 5+ years of experience underwriting middle market and corporate clients.
  • Bachelor's Degree and/or Master's Degree in Business, Accounting, or Finance.
  • Ability to thoroughly analyze credits on an independent basis and communicate findings in a concise manner.
  • Strong cash flow and asset-based lending credit analysis skills with high attention to detail and accuracy.
  • Experience with bank syndications, multi-bank participations, and clients with varying and complex capital structures, including collateral and cash flow waterfalls, subordinated debt layers, and complex ownership structures.
  • Microsoft Excel experience, including financial modeling.
  • Experience with commercial, owner-occupied real estate lending, including documentation, due diligence, and regulatory compliance processes.
  • Experience negotiating, managing, and amending complex credit facility structures and legal documentation.
  • Knowledge and understanding of commercial and specialty group banking products and services.
  • Strong risk management and compliance skills.
  • Excellent verbal, written, and interpersonal communication skills.
Job Expectations
  • Ability to travel up to 10% of the time.
  • This position does not support Visa Sponsorship.
  • Position can report to any of the posted locations.


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