Commercial Banking - Healthcare Credit Portfolio Manager - Director

Director, Healthcare Credit

As a Director on the Healthcare Credit team, you will lead the underwriting and portfolio management of credit facilities for healthcare portfolio companies covered by Commercial Banking. This role offers broad exposure to strategic transactions in a dynamic, fast-paced deal environment.

In this role, you will :

Lead or participate in strategic discussions and complex Healthcare Portfolio Management initiatives

Mentor junior team members : provide training, guidance, and feedback to support their development and strengthen team capabilities.

Underwrite new transactions : lead a team to produce in-depth credit analysis and credit approval memoranda including structuring and debt capacity analysis.

Run diligence : synthesize data-room materials, financial statements, projections, and third-party reports; lead Q&A assess market dynamics competitive positioning and key risks / mitigants.

Negotiate legal documentation : review and comment on term sheets, credit agreements, intercreditor docs; align protections (e.g. covenants, baskets, events of default) with underwriting thesis.

Present to senior approvers and risk committees : distill complex credit analyses into concise memos; clearly articulate the credit thesis, risks, mitigants, and recommended structure.

Portfolio Management : oversee the production of quarterly reviews, variance analyses, compliance checks, watch-list narratives, and ratings updates; recommend actions as performance shifts. Execute amendments & waivers, negotiate covenant resets / consents, and document credit rationale.

Required Qualifications :

7+ years of Commercial Banking Portfolio Management experience, or equivalent demonstrated through one or a combination of the following : work experience, training, military experience, education

Desired Qualifications :

Experience managing complex credit and capital structures including cash flow, real estate, and ABL lending as well as experience lending to physician practice entities

Experience working with Middle Market clients including relevant healthcare or physician practices

Strong foundation in credit analysis, including evaluation of business risk, industry trends, and capital structures

Significant experience with credit documentation, including term sheets, credit agreements, and intercreditor provisions

Demonstrated ability to assess business / industry risk, structure covenants and protections, and assign / defend internal ratings

Strong analytical skills, with heightened attention to detail and accuracy

Excellent written and verbal communication skills

Ability to work in a fast-paced, deadline-driven environment

Proficient in Microsoft Office (Word, Excel, Powerpoint, and Outlook)

Job Expectations :

Ability to travel up to 10% of the time

This position does not support Visa Sponsorship

Ability to work a hybrid work schedule

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

Locations :

550 S Tryon St - Charlotte, NC 28202

3100 West End Ave - Nashville, TN 33602

100 S Ashley Dr - Tampa, FL 33602

125 High St - Boston, MA 02110

Pay Range :

North Carolina - Charlotte Pay Range : $159,000-$254,000

Tennessee - Nashville Pay Range : $159,000-$254,000

Florida - Tampa Pay Range : $159,000-$254,000

Massachusetts - Boston Pay Range : $191,000-$305,000

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.

$159,000.00 - $305,000.00

Benefits

Wells Fargo provides eligible employees with a comprehensive set of benefits, many of which are listed below.

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

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 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.

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.

Req Number : R-500444