Senior Credit Product Portfolio Specialist

• Deliver results that align with Commercial Banking and Commercial Banking line of business priorities and that satisfy Commercial Banking stakeholders and Wells Fargo’s risk management priorities and commitments
• strategically collaborate with portfolio team and customer credit to resolve client issues and achieve business objectives
• evaluate credit actions according to applicable regulations, procedures, and guidelines
• review financial statements, communicate with clients or account debtors, and perform analysis to be used in credit decisions
• utilize delegated credit approval authority to perform credit decisioning on individual credit orders
• communicate and coordinate with portfolio, customer credit, collections, external counsel, clients, and account debtors to effectively manage customer credit risk while satisfying client needs
• proactively monitor account debtor exposure trends (i.e. financials, risk ratings, trade reports, industry reports, and payment trends)
• review legal documentation such as letters or credit, non-disclosure agreements, cash collateral agreements, and cross-corporate guarantees to ensure applicable terms, and requirements are incorporated and adhered to
• provide guidance to junior associates on credit and industry trends, and product knowledge as applicable

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

• 4+ years of relevant experience in factoring, or credit management and analysis earned in a banking setting or shared service environment
• solid credit acumen with the ability to understand client financials and structure appropriate credit solutions
• strong relationship management skills, with a proven ability to expand, grow, and retain client relationships
• excellent verbal, written, and interpersonal communication skills
• ability to work effectively in a team environment and across all organizational levels
• where flexibility, collaboration, and adaptability are important

• 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