EMM ABL Credit Product Portfolio Specialist

About this role

Wells Fargo is seeking a Principal Credit Product Portfolio Specialist to join our EMM Asset Based Lending team.

In this role, you will:

• Build and maintain effective relationships with existing clients within their products or functional area, including sharing relevant information with coverage team partners, with a particular focus on emerging middle market and middle market relationships.
• May be assigned a contractual territory and responsible for managing partner relationships to ensure deal opportunities are directed to the business, in alignment with agreement terms.
• Independently review and analyze client portfolios, including complex scenarios, for key issues related to cash flow or liquidity, leverage, working capital, debt coverage, collateral analysis, and repayment sources, including for use in periodic reviews as well as interim underwriting memoranda.
• Partner with coverage teams within the context of individual deals and client relationships, to anticipate and understand clients' businesses, strategic objectives, operational priorities, and financial positions to identify opportunities for modifications, renewals, and refinancings and grow strategic relationships.
• Lead complex modifications, renewals, and refinancings, including assessing a client's financial position and risk level, including acting as an advisor to leadership for situations for both prospective and existing clients.
• Lead the strategy and resolution of complex and unique challenges by synthesizing industry and economic trends, including complicated legal and regulatory issues, in addition to regular portfolio reviews to manage risk and lead problem loan resolutions, where applicable.
• Strategically lead all levels across the enterprise, serve as expert advisor to leadership, and represent the company externally to resolve client issues and achieve business objectives including preparing for periodic exams by internal and external auditors.
• Partner with management, functional partners and other senior leaders to provide vision, leadership, and industry expertise on evolving market needs that significantly influence the business and improve financial outcomes, including cross-functional strategies.
• Lead client-related or cross-functional projects or teams that have broad-scale and long-term impact on the ABL business.

Required Qualifications:

• 10+ 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.

Desired Qualifications:

• 5+ years of Asset Based Lending experience.
• Proven ability to lead and execute initiatives involving changing long-standing processes, including creating improvements and operational efficiency evidenced through implementation in business processes.
• Extensive experience managing collateral risk exposure and identifying prospect and client risks through diligence and monitoring processes.
• Strong background in working with and collaborating with IRM on a higher risk profile client portfolio through challenging circumstances.
• Ability to collaborate with cross-functional teams and senior management to achieve project goals.

Job Expectations:

• This position is not eligible for Visa sponsorship.
• Hybrid work model.
• Ability to travel 35% of the time.
• Specific compliance policies may apply regarding outside activities or personal investing.
• May be considered for a discretionary bonus, Restricted Share Rights or other long-term incentive awards.

Pay Range:

$185,000.00 - $300,000.00 (Base pay may vary based on performance, skills, experience, and location).

Benefits:

Wells Fargo provides a comprehensive set of benefits, including:

• Health benefits
• 401(k) Plan
• Paid time off
• Disability benefits
• Life, critical illness, and accident insurance
• Parental and critical caregiving leave
• Discounts, commuter benefits, and tuition reimbursement

Posting End Date:

15 Jun 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.