Senior Credit Resolution Specialist | Commercial Credit Workout

About This Role

Wells Fargo is seeking a Senior Credit Resolution Specialist to serve as a Relationship Manager for challenged credit relationships across the Mid Corporate and Corporate and Investment Banking (CIB) sectors. The portfolio includes private and public companies, often with complex capital structures.

In this role, you will manage borrower relationships, assess credit risk, and develop and execute resolution strategies designed to mitigate risk and maximize repayment and recovery outcomes. The successful candidate will bring strong credit and financial analysis skills, sound judgment, and the ability to navigate complex financial situations while partnering effectively with borrowers, financial sponsors, lenders, advisors, and internal stakeholders.

In This Role, You Will

• Serve as the Relationship Manager for a portfolio of challenged Mid Corporate and CIB credit relationships, maintaining direct engagement with company management, financial sponsors, and other key stakeholders.
• Develop, recommend, and execute credit resolution strategies, including amendments, restructurings, refinancings, asset sales, and other repayment or recovery alternatives.
• Evaluate the financial performance, liquidity, cash flow, business plans, collateral, and debt-service capacity of private and public companies to identify risks and assess resolution alternatives.
• Analyze complex capital structures, including syndicated facilities, multiple debt tranches, lien priorities, and intercreditor arrangements, to assess lender protections and potential recoveries.
• Lead borrower discussions and coordinate negotiations with lenders, legal counsel, financial advisors, and internal partners to advance resolution strategies.
• Prepare and present credit recommendations, risk assessments, and relationship updates to management and appropriate approval authorities.
• Monitor borrower performance, covenant compliance, and progress against resolution milestones, recommending timely action as conditions evolve.
• Exercise sound judgment within delegated authority and in accordance with Credit Resolution policies, procedures, and applicable regulatory requirements.
• Partner across Credit Resolution, Mid Corporate, CIB, Risk, Legal, and other functions to effectively manage relationships and achieve resolution objectives.
• Contribute to cross-functional initiatives, share expertise, and support the continued development of Credit Resolution best practices.

Required Qualifications

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

Desired Qualifications

• Experience in commercial or corporate lending, credit underwriting, portfolio management, workout, special assets, restructuring, or credit resolution.
• Experience managing borrower relationships and working directly with company management, financial sponsors, lenders, and advisors.
• Experience analyzing private and public companies with complex capital structures, including syndicated loans and multiple classes of debt.
• Ability to evaluate financial statements, cash flow projections, liquidity, enterprise value, collateral coverage, and recovery scenarios.
• Working knowledge of loan documentation, including credit agreements, collateral documents, guarantees, and intercreditor agreements.
• Experience developing and negotiating amendments, waivers, forbearance agreements, restructurings, and other credit resolution transactions.
• Strong analytical and problem-solving skills, with the ability to synthesize complex financial and credit information and develop clear, actionable recommendations.
• Demonstrated ability to manage multiple relationships, balance competing priorities, meet deadlines, and deliver results in a fast-paced environment.
• Strong verbal and written communication, negotiation, and stakeholder management skills.
• Proficiency in Microsoft Office applications, including Excel, PowerPoint, Outlook, and Word.
• Bachelor’s degree in Accounting, Finance, Economics, or a related field.

Job Expectations

• Ability to work from one of the approved locations listed in the job posting.
• This position is not eligible for Visa sponsorship.
• This position currently offers a hybrid work schedule.
• Certain compliance policies may apply regarding outside business activities and personal investing. Affected employees will be expected to provide required information to the Wells Fargo Personal Account Dealing Team and comply with applicable policy requirements. Additional details will be provided during the recruitment process.

Work Locations

• 401 S Tryon St, Charlotte, North Carolina 28282
• 600 S 4th St, Minneapolis, Minnesota 55415
• 1150 W Washington St, Tempe, Arizona 85288

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.
$119,000.00 - $206,000.00

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:

22 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.