Manager – Credit Portfolio & Relationship Management (M2- Corporate Banking)

In this role, you will:

Credit & Portfolio Management:

• Manage and monitor a portfolio of corporate borrowers, ensuring ongoing assessment of credit quality and risk exposure
• Conduct comprehensive credit analysis, including financial statement analysis, cash flow modelling, and risk assessment
• Prepare and review credit appraisals, underwriting memos, and internal credit documentation
• Perform ongoing portfolio surveillance, including covenant monitoring, early warning signal identification, and watchlist reviews
• Support internal and external rating analysis and monitor rating migrations
• Participate in periodic portfolio reviews, stress analysis, and risk reporting

Relationship Management & Business Support:

• Support relationship management teams in maintaining and deepening client relationships
• Participate in internal interactions, renewals, and discussions related to credit facilities and risk positioning
• Balance credit risk considerations with relationship and business objectives
• Partner with product teams to support cross‑sell and business development initiatives across banking products
• Contribute to client strategy discussions and transaction structuring from a credit perspective

Product & Transaction Exposure:

• Work on a wide range of corporate banking products, including:
  • Term Loans
  • Working Capital Facilities (Revolving Credit / Cash Credit / Overdraft)
  • Syndicated Revolving and Term Loan Facilities
  • Specialized / Structured Financing
  • Global Receivables and Trade Finance
  • Equipment Financing
  • Acquisition / Event‑driven Financing

Stakeholder & Team Management:

• Engage with multiple stakeholders including Relationship Managers, Credit Officers, Product Partners, Risk, and Legal teams
• Manage work allocation, review deliverables, and provide guidance to junior team members
• Support team building, coaching, and quality control to ensure high standards of output
• Manage multiple priorities and deliverables in a fast‑paced environment

Required Qualifications:

• 5+ years of Securities Research industry experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

• 2+ years of Leadership experience

• 5+ years of hands‑on experience in credit analysis, credit research, underwriting, debt advisory and portfolio monitoring in a Banking/ Financial set-up

• Atleast 1-2 years of experience in client‑facing roles into relationship management, preferably involving selling or supporting banking products
• Strong understanding of credit risk management, underwriting standards, and portfolio monitoring practices
• Experience working within Corporate Banking, Wholesale Banking, or Commercial Banking environments
• Graduate degree in Finance, Accounting, Economics, Business Administration, or a related field
• Professional certifications (CA, CFA, MBA, FRM) preferred

Desired Qualifications:

Experience in one or more of the following sectors is preferred (not mandatory):

• Industrials
• Aerospace & Defense
• Automotive
• Chemicals
• Metals
• Engineering & Construction
• Paper & Packaging
• Transportation & Logistics
• Building Products

Job Expectations:

1. Key skills -Technical / Functional /Behavioral Competencies

Credit Analysis & Underwriting

• Performs in‑depth financial analysis, cash flow modelling, and credit risk assessment
• Prepares and reviews credit appraisals, underwriting memos, and lending recommendations

2. Credit Portfolio Management

• Monitors credit quality and performance of assigned portfolios
• Identifies early warning signals, covenant breaches, and rating migration risks
• Supports watchlist management and problem credit reviews
  

3. Risk Monitoring & Controls

• Applies credit policies, risk frameworks, and monitoring controls across the loan lifecycle
• Assesses portfolio trends and recommends actions to address emerging risks

4. Product & Transaction Knowledge

• Demonstrates working knowledge of corporate banking products, including term loans, working capital facilities, syndicated loans, trade finance, equipment financing, and acquisition financing
• Understands transaction structures and associated risk considerations

5. Client & Stakeholder Centricity

• Builds effective working relationships with Relationship Managers, Credit Officers, Product partners, and clients
• Understands client needs while maintaining adherence to credit and risk standards
  

6. Industry & Market Insight

• Applies industry‑specific knowledge to credit assessment and portfolio monitoring
• Interprets external market, sector, and macroeconomic developments and their impact on credit risk

7. Execution Excellence

• Manages multiple priorities and deliverables in a fast‑paced environment
• Ensures accuracy, timeliness, and quality in credit documentation and portfolio reporting

8. Collaboration & Partnership

• Works effectively across functions and geographies to deliver portfolio and client outcomes
• Demonstrates flexibility and adaptability when priorities or market conditions change

9. Leadership & People Development

• Provides guidance, coaching, and oversight to junior team members
• Effectively allocates work, reviews output, and supports team capability building

10. Communication & Influence

• Communicates complex credit issues clearly and concisely to diverse stakeholders
• Influences outcomes through well‑reasoned analysis and professional credibility

11. Data Interpretation & Reporting

• Interprets financial, portfolio, and risk data to support credit decisions and portfolio reviews
• Contributes to internal reporting, portfolio analytics, and management information

12. Judgment & Risk Awareness

• Demonstrates sound judgment in balancing credit risk, portfolio performance, and business objectives
• Escalates emerging risks appropriately and proactively recommends mitigation strategies
  

Posting End Date:

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.

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