Credit Product Portfolio Specialist
About the position At Wells Fargo, we are looking for talented people who will put our customers at the center of everything we do. Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you. Wells Fargo is seeking a Credit Product Portfolio Specialist in our Capital Finance group as part of Wells Fargo Commercial Bank. Responsibilities • Participate in building and maintaining effective relationships with existing clients within their products or functional area, including sharing relevant information with coverage partners and senior peers. • Review and analyze basic business, operational, or technical assignments or challenges that require research, evaluation, and selection of alternatives, and exercise independent judgment to guide medium risk deliverables. • Participate or provide support to review and analyze low to moderately complex client portfolios for key issues related to cash flow, liquidity, leverage, working capital, debt coverage, collateral and enterprise value analysis, and repayment sources, including for use in periodic reviews as well as interim underwriting memoranda. • Present recommendations for resolving low to moderately complex situations and exercise independent judgment while developing expertise in the function, policies, procedures, and compliance requirements. • Partner with senior peers within the context of individual deals and client relationships to develop inquiries or identify gaps to support the understanding of clients' businesses, strategic objectives, operational priorities, and financial positions to identify and execute on opportunities for modifications, renewals, and refinancings. • Participate in regular portfolio reviews to manage risk and lead problem loan resolutions, where applicable. • Partner with product management functional partners to provide feedback on the use of tools to deliver credit solutions more effectively, meeting client and market needs. • Collaborate and consult with senior peers and functional partners to resolve client servicing requests and inquiries related to their product. • Contribute to functional area planning related to a given product. Requirements • 2+ 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 • 2+ years of experience in Asset-Based Lending (ABL) including credit evaluation and risk assessment as well as knowledge of large corporate lending and working knowledge of ABL and Capital markets. • Effective organizational, multi-tasking and prioritization skills. • Strong verbal and written communication skills. • Working knowledge and understanding of balance sheet, P/L and statement of cash flows. • Ability to excel in a face paced environment while effectively adapting to evolving priorities and business needs. • Self-starter with a strong sense of curiosity and a proactive approach to learning, consistently seeking out information and asking thoughtful questions to deepen understanding. Benefits • Health benefits • 401(k) Plan • Paid time off • Disability benefits • Life insurance, critical illness insurance, and accident insurance • Parental leave • Critical caregiving leave • Discounts and savings • Commuter benefits • Tuition reimbursement • Scholarships for dependent children • Adoption reimbursement Apply tot his job