Wells Fargo is seeking a Senior Commercial Banking Portfolio Manager to support credit execution by ensuring the proper application of credit policies and procedures through effective review of the credit portfolio. This role acts as a first-line execution and assurance enabler, allowing CB to meet its objectives consistently.
In this role, you will:
- Perform periodic reviews of credit reports prepared by credit underwriting team.
- Review and validate the accuracy in financial analysis for commercial loans including, but not limited to: financial covenants, yield, industry and revenue analysis, and financing structure and terms.
- Accurately identify deviations to credit policy & procedure by reviewing the credit documents.
- Clarify and credibly challenges in case of ambiguity or deviation to the policy and procedures.
- Summarize errors and outline areas of risk from reviewing the credit underwriting details.
- Surface and escalate risk often identified from inadequate or failed processes, and error trends.
- Document and synthesize findings based on above mentioned conclusions into a report presented to credit underwriting team.
- As needed, participate and provide SME expertise for business initiatives.
- Quality-check work performed by junior team members and provide appropriate feedback on the same.
- Training & mentoring junior colleagues along with reviewing, checking & overseeing and undertaking workload planning as well.
- 4+ years of Commercial Banking Portfolio Management experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
- MBA (Finance /Banking), Cost and Management Accountancy, Chartered Accountancy or post- graduation in Economics.
- 4 + years of core commercial credit underwriting experience across diversified asset class (including corporate entities and real estate asset class)
- Experience in assessing credit worthiness of borrower based on various qualitative and quantitative factors.
- Expert level knowledge on financial statements for various industries with ability to ascertain trends, ratios and call out key risks when compared to benchmarks (historical and industry performance).
- Well-versed with Discounted Cash Flow, Comparable Company, and Precedent Transaction analysis. Working experience with Moody's Risk Analytics would be a plus.
- Excellent communication and stakeholder management skills.
- Intermediate to advanced Excel proficiency, including data analysis and validation.
- Working knowledge of credit systems such as nCino, with a demonstrated ability to quickly adapt to evolving banking systems and process changes.
As part of Wells Fargo's commitment to innovation and responsible AI adoption, all roles require foundational AI literacy. This includes:
- Understanding and Application of AI Tools: Ability to leverage AI platforms (e.g., Microsoft Copilot, GitHub Copilot, Tachyon, Agentspace) for routine tasks such as summarizing information, drafting content, and analyzing data, while maintaining human oversight.
- Critical Thinking: Ability to interpret AI outputs, validate insights, and make informed business decisions.
- Responsible AI Use: Awareness of ethical considerations, data privacy, and compliance when using AI solutions.
- Adaptability and Continuous Learning: Commitment to upskilling and staying current with emerging technologies.
- Perform secondary credit reviews, ensuring consistent quality, accuracy, and policy adherence.
- Conduct reviews of commercial loan financial analysis, identify policy exceptions, errors, and key risks, and provide credible challenge and escalation.
- Expert knowledge of credit lifecycle including underwriting principles and processes.
- Ability to develop a strong understanding of credit policies, procedures and workflows and keep up with the updates.
- Ensure adherence to SLA, quality, and business performance metrics.
- Focused on operational excellence, including suggesting process improvements, re-engineering, and ensuring audit/regulatory readiness.
- Act as a subject matter expert (SME) supporting risk, business, and process improvement initiatives.
2 Jul 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.
Skills Required
- 4+ years of Commercial Banking Portfolio Management experience
- MBA, Cost and Management Accountancy, Chartered Accountancy, or post-graduation in Economics
- 4+ years of core commercial credit underwriting experience across diversified asset classes including corporate and real estate
- Experience assessing borrower creditworthiness using qualitative and quantitative factors
- Expert-level knowledge of financial statements, ratio analysis, trend identification and benchmarking
- Proficiency with valuation techniques: Discounted Cash Flow, Comparable Company, and Precedent Transaction analysis
- Working knowledge of credit systems such as nCino and ability to adapt to evolving banking systems
- Intermediate to advanced Excel proficiency for data analysis and validation
- Excellent communication and stakeholder management skills
- Ability to quality-check junior team members' work, provide feedback, mentor, and undertake workload planning
- Foundational AI literacy: ability to leverage AI tools (e.g., Microsoft Copilot, GitHub Copilot, Tachyon, Agentspace), validate outputs, and apply responsible AI use
- Experience identifying policy exceptions, documenting errors, escalating risks, and ensuring regulatory/audit readiness
- Experience with Moody's Risk Analytics
What We Do
Wells Fargo & Company (NYSE: WFC) is a leading financial services company that has approximately $2.1 trillion in assets. We provide a diversified set of banking, investment and mortgage products and services, as well as consumer and commercial finance, through our four reportable operating segments: Consumer Banking and Lending, Commercial Banking, Corporate and Investment Banking, and Wealth & Investment Management. Wells Fargo ranked No. 33 on Fortune’s 2025 rankings of America’s largest corporations. Our technology professionals drive innovation, information security, and big data analytics while maintaining a network that handles more than 12 billion customer interactions a year. Join us! Are you looking for more? Find it here. At Wells Fargo, we're more than a financial services leader – we’re a global trailblazer committed to driving innovation, empowering communities, and helping our customers succeed. We believe that a meaningful career is much more than just a job – it’s about finding all of the elements to help you thrive, in one place. Living the Well Life means you’re supported in life, not just work. It means having robust benefits, competitive compensation, and programs designed to help you find work-life balance and well-being. You’ll be rewarded for investing in your community, celebrated for being your authentic self, and empowered to grow. And we’re recognized for it – Wells Fargo once again ranked in the top three – making us the #1 financial services employer – on the 2025 LinkedIn Top Companies list of best workplaces “to grow your career” in the U.S. 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. © 2026 Wells Fargo Bank, N.A. All rights reserved. Member FDIC.
Why Work With Us
We're known for our “Well Life” approach to supporting employees’ career aspirations, work-life balance, and mental and physical health. We ranked in the top 3 on the 2025 LinkedIn Top Companies list – and #1 among financial services companies – as the best workplace “to grow your career” in the U.S.
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