Commercial Banking Market Credit Lead

Job description

Job Description

Important Note: During the application process, ensure your contact information (email and phone number) is up to date and upload your current resume when submitting your application for consideration. To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message. In order to receive text message invitations, your profile must include a mobile phone number designated as "Personal Cell" or "Cellular" in the contact information of your application.

At Wells Fargo, we are looking for talented people who will put our customers at the center of everything we do. We are seeking candidates who embrace diversity, equity and inclusion in a workplace where everyone feels valued and inspired.

Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.

Commercial Banking provides financial solutions to businesses with annual sales generally in excess of $5 million. Our business lines are Wells Fargo Commercial Capital, Middle Market Banking, and Treasury Management & Payment Solutions.

Middle Market Banking

• Services private and public companies with annual sales of $5 million to $2 billion
• Specialized expertise across industry sectors

The Commercial Banking Market Credit Lead functions as the credit lead and LOB risk officer for an assigned portfolio of customers and loans with a wide range of size and complexity. Works with senior management to develop appropriate business-level plans and execute accordingly. Actively participates in the processes around loan structuring, negotiating, and completing transactions. Provides oversight for underwriting and portfolio management. Manages loan portfolio quality and coordinates credit reviews and loan workout functions. Partners with division portfolio executive and applicable credit team manager(s) around coaching and development of credit team.

Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit's risk appetite and all risk and compliance program requirements.

• 2+ years of leadership experience
• 8+ years of account relationship management experience, portfolio management experience or a combination of both

• Experience negotiating interest rates, price, terms, and collateral requirements
• Extensive knowledge and understanding of credit policy, loan servicing, risk management and group underwriting requirements
• Knowledge and understanding of commercial and specialty group banking products and services
• Advanced commercial or specialty group relationship underwriting and portfolio management experience
• Experience with both Commercial & Industrial and real estate portfolios

• 3+ years of commercial Lending experience with credits in excess of 5MM

• Ability to travel up to 20% of the time

AL-Birmingham: 1901 6TH AVENUE N - Birmingham, AL
TN-Nashville: 3100 W End Ave - Nashville, TN

All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.



Relevant military experience is considered for veterans and transitioning service men and women.

Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.

Benefits

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