Factoring Customer Credit Specialist

About this role:
Wells Fargo is seeking a Senior Credit Product Portfolio Specialist to support the Commercial Services portfolio team on customer credit related inquiries within Supply Chain Finance. The team member in this role will use a credit mindset to navigate the difficulties of mitigating risk, while satisfying client needs.
This role requires a thorough understanding of factoring from a portfolio and customer credit perspective and the ability to communicate decisions efficiently and effectively.
In this role, you will:

• Deliver results that align with Commercial Banking and Commercial Banking line of business priorities and that satisfy Commercial Banking stakeholders and Wells Fargo's risk management priorities and commitments.
• Strategically collaborate with portfolio team and customer credit to resolve client issues and achieve business objectives.
• Evaluates credit actions according to applicable regulations, procedures, and guidelines. Reviews financial statements, communicates with clients or account debtors, and performs analysis to be used in credit decisions.
• Utilize delegated credit approval authority to perform credit decisioning on individual credit orders.
• Communicate and coordinate with portfolio, customer credit, collections, external counsel, clients, and account debtors to effectively manage customer credit risk while satisfying client needs.
• Proactively monitor account debtor exposure trends (i.e. financials, risk ratings, trade reports, industry reports, and payment trends).
• Review legal documentation such as letters or credit, non-disclosure agreements, cash collateral agreements, and cross-corporate guarantees to ensure applicable terms, and requirements are incorporated and adhered to.
• Provide guidance to junior associates on credit and industry trends, and product knowledge as applicable.

Required Qualifications:

• 5+ 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 relevant experience in factoring, or credit management and analysis earned in a banking setting or shared service environment
• Solid credit acumen with the ability to understand client financials and structure appropriate credit solutions
• Strong relationship management skills, with a proven ability to expand, grow, and retain client relationships
• Excellent verbal, written, and interpersonal communication skills.
• Ability to work effectively in a team environment and across all organizational levels; where flexibility, collaboration, and adaptability are important.

Job Expectations:

• May be considered for a discretionary bonus, Restricted Share Rights or other long-term incentive awards
• Ability to work on-site at one the posted work location

@RWF22
Pay Range
Reflected is the base pay range offered for this position. Pay may vary depending on factors including but not limited to achievements, skills, experience, or work location. The range listed is just one component of the compensation package offered to candidates.
$167,000.00 - $260,000.00
Benefits
Wells Fargo provides eligible employees with a comprehensive set of benefits, many of which are listed below. Visit Benefits - Wells Fargo Jobs for an overview of the following benefit plans and programs offered to employees.

• Health benefits
• 401(k) Plan
• Paid time off
• Disability benefits
• Life insurance, critical illness insurance, and accident insurance
• Parental leave
• Critical caregiving leave
• Discounts and savings
• Commuter benefits
• Tuition reimbursement
• Scholarships for dependent children
• Adoption reimbursement

Posting End Date:
25 Dec 2025
* 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.
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.