About this role: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. #commercialbanking
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 RangeReflected 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. 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:31 Oct 2025
* Job posting may come down early due to volume of applicants. We Value Equal OpportunityWells 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 DisabilitiesTo request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo .
Drug and Alcohol PolicyWells 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.
