Commercial Banking Portfolio Manager

Wells Fargo - Houston, TX

Full-time - Mid Level

Houston, TX

Credit Intermediation and Related Activities

About the position

Wells Fargo is seeking a Commercial Banking Portfolio Manager to join the Credit Execution Team, focusing on the Specialized Industries - Commodity Finance banking team in Houston, TX. This role is pivotal in managing a credit portfolio primarily composed of commodity traders and marketers, ensuring alignment with long-term financial objectives and risk tolerance for commercial banking clients.

Responsibilities

• Serve as a key member of a client's deal team.
• Underwrite and perform risk analysis on complex relationships within the Commercial Banking Portfolio Management functional area.
• Review and analyze business financial statements requiring in-depth evaluation of multiple factors.
• Address key issues related to cash flow, liquidity, leverage, working capital, debt coverage, collateral, and repayment sources as part of the underwriting process.
• Analyze and review the transaction structure as part of the underwriting package.
• Evaluate and monitor customer collateral and adherence to loan requirements.
• Resolve moderately complex issues in conjunction with the Commercial Banking Portfolio Management team to meet project deliverables.
• Collaborate and consult with Relationship Managers, Legal, various Capital Market product partners, and the broader Commercial Banking Portfolio Management peers.

Requirements

• 2+ years of secured or specialized lending portfolio management experience, or equivalent demonstrated through work experience, training, military experience, or education.
• Complex credit underwriting experience including advanced commercial Middle Market / Mid-Corp credit or specialty group relationship portfolio credit.
• Strong analytical skills and the ability to perform in-depth commercial financial statement analysis.
• Demonstrated attention to detail, self-motivation, and independent problem-solving ability.
• Ability to understand, review, and negotiate loan documentation.
• Experience working in a high-paced environment with strong organizational, multi-tasking, and prioritizing skills.
• Ability to work in a highly collaborative work environment.
• Excellent verbal, written, and interpersonal skills.

Nice-to-haves

• Strong Microsoft Office skills, including using Excel for financial analysis and projection modeling.
• BS/BA degree or higher, preferably majoring in Finance/Accounting.

Benefits

• Diversity, equity, and inclusion initiatives.
• Support for building strong customer relationships.
• Risk management and compliance training.