Senior Credit Portfolio Consultant

Location: CHARLOTTE, NC

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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.

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About this role

Wells Fargo is seeking a Senior Credit Portfolio Consultant within the Business Banking and SBA Construction Portfolio Services Division. This role is focused on managing credit and construction risk throughout the life cycle of commercial real estate construction projects, from underwriting and pre-closing due diligence through construction, funding, and project completion.

The Business Banking &SBA Construction Portfolio Services Division is responsible for:

Evaluating construction risk and project feasibility during the underwriting and pre-closing process

Reviewing and analyzing commercial real estate construction due diligence, including project plans, budgets, permitting, and other requirements necessary for successful project completion

Coordinating commercial real estate loan closings with a focus on credit and collateral quality

Providing subject matter expertise and guidance related to commercial real estate construction loans

Monitoring construction progress, draw requests, and project funding after closing

Identifying and addressing risks that could impact construction progress, project completion, or credit quality

Ensuring construction loans remain in compliance with applicable credit policies and requirements

Providing commercial real estate construction guidance and training to business partners

The team works directly with Relationship Managers, Senior Lead Commercial Banking Portfolio Managers, Independent Risk Management, and other Wells Fargo team members to identify, evaluate, and mitigate credit and construction risks related to real estate collateral.

In this role, you will

• Assess construction and credit risk throughout the project life cycle, including underwriting, closing, construction, funding, and project completion
• Review and analyze commercial real estate construction due diligence to evaluate project feasibility and identify potential risks
• Evaluate project documentation, including construction budgets, permitting, and other information necessary to assess whether projects are positioned for successful completion
• Support the closing of commercial real estate construction loans with a focus on credit and collateral quality
• Monitor post-closing construction activity, including project progress, draw requests, and funding
• Identify and evaluate emerging construction, credit, or collateral risks and escalate issues as appropriate
• Ensure construction projects and related lending activities remain in compliance with applicable credit policies and loan requirements
• Make recommendations in complex situations requiring sound judgment and an understanding of commercial real estate construction and credit risk
• Collaborate and consult with Relationship Managers, Portfolio Managers, Independent Risk Management, and other business partners to resolve construction and credit issues
• Serve as a technical resource and provide guidance on commercial real estate construction lending matters
• Participate in projects and initiatives supporting the broader credit and portfolio organization
• Lead or participate in moderately complex credit and portfolio consulting services
• Mentor and guide large scale planning related to credit performance, potential or emerging risks, and credit and portfolio strategies
• Review and analyze potential or emerging credit risks that require an in-depth evaluation of variable factors to ensure conformity with risk appetite and culture, as well as appropriate credit policies
• Resolve moderately complex credit issues
• Lead a team to meet deliverables while leveraging solid understanding of credit products, programs, or related policies
• Collaborate and consult with peers, colleagues, and mid level managers to resolve credit portfolio issues and achieve goals
• Lead projects, teams, or serve as a mentor for less experienced staff

Required Qualifications

4 + years of Credit Portfolio Consulting experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

Desired Qualifications

• 4+ years of commercial real estate experience, with experience in construction lending, underwriting, portfolio management, or construction loan administration
• Experience evaluating construction risk and project feasibility, including factors that may affect a project's ability to reach completion
• Knowledge of commercial real estate construction due diligence and permitting requirements
• Experience reviewing construction budgets, project documentation, and other information used to assess and monitor construction risk
• Experience with commercial real estate construction loan closings, draw administration, project funding, and post-closing construction monitoring
• Knowledge of commercial real estate credit risk and credit policy, including the ability to identify, evaluate, and escalate potential risks
• Experience working with Relationship Managers, underwriters, Portfolio Managers, credit partners, risk partners, or other commercial lending stakeholders
• Strong analytical and problem-solving skills with the ability to independently evaluate complex information and identify appropriate next steps
• Strong organizational skills with the ability to manage multiple projects, transactions, or workstreams simultaneously
• Excellent written and verbal communication skills with the ability to effectively interact with business partners, peers, and management
• Ability to work effectively in a matrixed environment and build partnerships across multiple functions
• Advanced proficiency with Microsoft Excel; experience with Microsoft Access and SharePoint

Job Expectations

This position requires an onsite presence at one of the posted locations

This position does not offer visa sponsorship

Pay Range

Reflected is the base pay range offered for this position. Pay may vary depending on factors including but not limited to demonstrated examples of prior performance, skills, experience, or work location. Employees may also be eligible for incentive opportunities.

$87,000.00 - $154,000.00

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

9 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.

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.
• c. Please be prepared to provide accurate information and supporting documentation in connection with any lawful employment and education verification conducted by Wells Fargo.
• Additional Locations: TEMPE, AZ, MINNEAPOLIS, MN