Secured Lending Relationship Management… at Wells Fargo · PHILADELP…

Secured Lending Relationship Management Senior Manager

Location: PHILADELPHIA, PA

About this role:

Wells Fargo is seeking a Credit Product Portfolio Senior Manager to provide strategic, technical, and people leadership across a complex commercial and asset-based lending portfolio. This role is responsible for portfolio quality, underwriting consistency, risk identification, credit administration, regulatory and policy adherence, client retention, profitable growth, and talent development. The leader will partner closely with Business Development Officers, Relationship Managers, Underwriters, Credit Officers, Operations, Legal, Compliance, and Risk partners to support well-structured growth while maintaining strong credit discipline.

In this role, you will:

• Lead oversight of a diversified portfolio of commercial and asset-based lending relationships, with accountability for credit quality, portfolio performance, disciplined risk management, and timely escalation of emerging risks
• Lead a team in reviewing and analyzing complex and strategic client portfolios, including cash flow, liquidity, leverage, working capital, debt coverage, collateral and enterprise value, covenant compliance, and repayment sources
• Review and approve complex credit recommendations, risk-rating changes, amendments, renewals, modifications, refinancings, and other material credit actions within delegated authority
• Provide leadership on criticized assets, restructurings, workouts, and other special situations in partnership with appropriate credit, risk, legal, and operations resources
• Manage, coach, and develop Credit Product Portfolio Managers, Underwriters, and Analysts; establish clear performance expectations and promote consistent underwriting, monitoring, and documentation standards
• Lead portfolio reviews, account planning, staffing priorities, succession planning, work allocation, credit-quality initiatives, and talent development activities
• Partner with Relationship Managers and Business Development Officers on new opportunities, renewals, portfolio strategy, transaction structuring, due diligence, underwriting, and negotiation of credit terms
• Interact directly with clients on complex credit, collateral, covenant, liquidity, and performance matters while balancing client needs, portfolio returns, growth objectives, and independent credit judgment
• Collaborate with and influence senior leaders and cross-functional partners to address complex scenarios, industry and economic trends, legal and regulatory matters, and process or control gaps
• Ensure adherence to applicable credit policies, procedures, approval authorities, and regulatory requirements, including high standards for credit files, borrower reporting, collateral monitoring, covenant compliance, and approval documentation
• Support internal reviews, audits, examinations, and remediation activities, and implement sustainable process improvements that strengthen portfolio control and execution
• Manage the allocation of people and financial resources to ensure commitments are met and aligned with the strategic objectives of the area

Required Qualifications:

• 7+ years of secured and/or specialized lending relationship management or portfolio management or leadership experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
• 3+ years of management or leadership experience

Desired Qualifications:

• Extensive commercial banking, credit underwriting, and portfolio management experience, including direct Asset-Based Lending experience with borrowing-base structures, field examinations, collateral audits, dominion of funds, and availability monitoring
• Strong knowledge of commercial lending structures, financial statement analysis, cash-flow and collateral evaluation, loan documentation, covenant design, and risk-rating principles
• Experience assessing receivables, inventory, equipment, appraisal concepts, ineligible collateral, reserves, dilution, concentration risk, borrowing bases, and collateral controls
• Demonstrated experience reviewing, challenging, and communicating complex credit recommendations to senior management and credit approval partners
• Experience with middle-market, large corporate, syndicated, leveraged, or sponsor-backed transactions
• Experience managing criticized assets, restructurings, workouts, problem-loan resolutions, and distressed-credit situations
• Proven ability to lead, coach, develop, and retain experienced credit professionals while building succession readiness and organizational depth
• Ability to balance business growth and client retention with independent credit judgment, risk appetite, and control requirements
• Strong executive communication skills, including clear credit writing, confident presentation of recommendations, and the ability to influence senior leaders, clients, and control partners
• Ability to connect portfolio trends, industry developments, staffing needs, process controls, and business objectives to drive strategic and operational decisions
• Formal commercial credit training
• Bachelor's degree in Finance, Accounting, Economics, Business, or a related discipline
• MBA, CFA, CPA, or another relevant advanced degree or professional credential

Job Expectations:

• Travel 20%
• Willingness to work on-site in one of the listed locations
• This position is not eligible for Visa sponsorship
• 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

Posting End Date:

19 Nov 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.

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.

Candidates applying to job openings posted in Canada: Applications for employment are encouraged from all qualified candidates, including women, persons with disabilities, aboriginal peoples and visible minorities. Accommodation for applicants with disabilities is available upon request in connection with the recruitment process.

Applicants with Disabilities

To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo.

Drug and Alcohol Policy

Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy to learn more.

Wells Fargo Recruitment and Hiring Requirements:

a. Third-Party recordings are prohibited unless authorized by Wells Fargo.

b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.