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Wells Fargo is seeking a Senior Lead Credit Product Portfolio Specialist to manage a portfolio of supplier finance relationships within the GRT Supplier Finance and Key Account Purchase organization. This role integrates program execution, on-going credit underwriting, and portfolio risk management into a single coverage model and serves as the primary point of accountability for program risk and performance. The portfolio specialist partners closely with Credit, Bank Partners, Risk, Legal, Operations, Product, and Sales to structure, implement, optimize, and scale working capital solutions that align with client objectives and the firm’s balance sheet, risk, and growth priorities.
Job Responsibility:
Own supplier finance relationships across program management, underwriting, and ongoing risk oversight
Independently analyze complex client portfolios, including cash flow, liquidity, leverage, working capital, and repayment sources
Lead renewals and modifications, assessing risk and advising leadership on complex situations
Integrate program performance and utilization trends into underwriting, reviews, and risk assessments
Proactively identify and escalate emerging risks consistent with the firm’s Risk Overlay
Partner cross‑functionally to ensure program integrity, audit readiness, and adherence to policy and regulatory expectations
Serve as a trusted advisor to clients and senior leadership on credit, risk, and working capital solutions
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 have:
Experience in Supplier Finance, Key Account Purchase (KAP), Payables Finance, Reverse Factoring, or Supply Chain Finance solutions
Strong financial and credit underwriting acumen with the ability to assess risk holistically
Proven ability to manage complex client relationships in a highly matrixed environment
Prior client‑facing product, portfolio management, or implementation leadership experience
Strong commercial mindset with the ability to balance growth, risk, and client outcomes
What we offer:
Health benefits
401(k) Plan
Paid time off
Disability benefits
Life insurance, critical illness insurance, and accident insurance