Commercial Banking Portfolio Manager, Middle Market & IRE
Overview
Own the credit portfolio for a complex Middle Market book, with an Investor Real Estate focus, at Wells Fargo. Monitor credit commitments, underwrite new deals, and negotiate terms on the largest transactions. Partner directly with relationship managers and senior leaders across the Northeast Division to deliver client solutions. This role demands advanced credit analysis and a track record of managing risk in a dynamic commercial banking environment.
What You'll Do8
- 1Build and manage a portfolio of complex Middle Market and Investor Real Estate clients, driving credit decisions that align with risk tolerance.
- 2Evaluate creditworthiness by analyzing financial statements, projections, and appraisals, and interview management teams to understand cash flows and leverage.
- 3Structure and negotiate terms for the most complex transactions, ensuring documentation is in place and risks are mitigated.
- 4Prepare and present credit memos to senior approvers, recommending solutions for highly complex credit challenges.
- 5Monitor assigned credit commitments to ensure compliance with loan agreements, covenants, and payoff requirements.
- 6Resolve problem accounts in partnership with deal teams, collaborating with Commercial Banking peers and managers.
- 7Mentor team members and lead projects that improve credit processes across the Northeast Division.
- 8Ensure all actions meet policy and regulatory requirements, staying current with compliance standards.
Requirements8
- 15+ years of Commercial Banking Portfolio Management experience, or equivalent.
- 24+ years underwriting Investor Real Estate clients.
- 3Strong IRE lending credit analysis skills with attention to detail.
- 4Experience with commercial and owner-occupied real estate lending, including documentation and due diligence.
- 5Proven ability to negotiate, manage, and amend complex credit facility legal documentation.
- 6Excellent verbal, written, and interpersonal communication skills.
- 7Strong risk management and compliance skills.
- 8Ability to travel up to 10% of the time.
Salary Insight
$131 - $224k per year
Location
Required Skills
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