Determine appropriate strategy and actions of functional area to meet to high-risk deliverables; interpret and develop policies and procedures for function with moderate complexity within scope of responsibility. Develop and guide a culture of talent development to meet business objectives and strategy in building and maintaining effective relationships with existing clients within their product(s) or functional area, including sharing relevant information with coverage team partners. Lead the team to review and analyze strategic client portfolios for key issues related to cash flow, liquidity, leverage, working capital, debt coverage, collateral/enterprise value analysis, and repayment sources, including for use in periodic reviews as well as interim underwriting memoranda. Interact directly with external clients within the context of individual deals and client relationships and develop a team to anticipate and understand clients’ businesses, strategic objectives, operational priorities, and financial positions to identify opportunities for modifications, renewals, and refinancings. Manage a team of individuals and provide leadership for moderate to highly complex modifications, renewals, and refinancings, including assessing a client’s financial position and risk level for both prospective clients and existing clients. Collaborate with and influence all levels of professionals, including senior managers to lead the strategy and resolution of moderate to highly complex scenarios and unique challenges by synthesizing industry and economic trends, including legal and regulatory issues, in addition to regular portfolio reviews to manage risk and lead problem loan resolutions, where applicable. Ensure the initial set up and management of the portfolio adheres to all applicable credit policies or compliance requirements and prepare for periodic exams by internal and external auditors. Partner with product management functional partners to provide vision, leadership, and industry expertise on evolving market needs, leading to the development of significant cross-functional process improvement and risk control development. Provide leadership and expertise on multi-faceted issues to multiple levels of management and lead a team to implement significant solutions, new product initiatives, and influence financial operations. Manage allocation of people and financial resources to ensure commitments are met and align with strategic objectives for area of responsibility. 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 2 years of leadership experience. Desired Qualifications:Deep credit risk assessment and underwriting or loan workout experience, including evaluating complex financial statements, collateral structures, and dealer/distributor performance. Strong understanding of inventory finance, floorplan lending, and asset-based lending credit principles. Demonstrated ability to lead or influence credit decisioning, risk mitigation strategies, and portfolio optimization efforts. People leadership experience, with success developing high-performing credit, underwriting, or relationship management teams. Experience collaborating closely with Risk, Credit, Operations, and Legal partners to drive sound portfolio decisions. Strong analytical capabilities, including financial modeling, trend analysis, and forecasting. Ability to synthesize complex credit insights into clear recommendations for senior leaders. Excellent communication and negotiation skills, with the ability to influence internal stakeholders and external partners. Demonstrated ability to deliver process improvements, enhance credit workflow efficiency, or implement portfolio risk controls. Bachelor’s degree (MBA or other advanced degree preferred)Job Expectations:Travel: Up to 15% of the time. 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. Pay Range Reflected is the base pay range offered for this position. Pay may vary depending on factors including but not limited to achievements, skills, experience, or work location. The range listed is just one component of the compensation package offered to candidates. Salary is just one component of Wells Fargo's total rewards package. Depending on the role, a Wells Fargo's employee may be eligible for additional forms of compensation, such as sales incentives, discretionary bonuses, and/or equity in the company in the form of Restricted Stock Units (RS - Us).$139,000.00 - $217,000.00 Benefits Wells Fargo provides eligible employees with a comprehensive set of benefits, many of which are listed below. Visit Benefits - Wells Fargo Jobs for an overview of the following benefit plans and programs offered to employees. 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. Posting End Date:30 May 2026 - 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.