Job Description

**About this role:** As a Vice President/Lead on the Specialized Industries Healthcare team, you will lead / support the underwriting and portfolio management of credit facilities for healthcare companies covered by Commercial Banking. You will also contribute to underwriting Wells Fargo's credit commitments to healthcare companies in coordination with Overland Advantage. **In this role, you will:** + Underwrite new transactions as the lead underwriter: build and sensitize integrated operating/LBO models, size debt capacity and covenant headroom, produce in-depth credit analysis and write credit approval memoranda. + Run diligence: synthesize data-room materials, financial statements, projections, and third-party reports; participate in 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. + Monitor market and macro trends: track economic indicators, pricing, leverage, and covenant trends to inform underwriting and portfolio strategy + Integrate AI tools into underwriting and portfolio workflows to streamline research, accelerate production, and drive innovation and efficiency. + Mentor junior team members: provide training, guidance, and feedback to support their development and strengthen team capabilities. **Required Qualifications, US:** + 5+ years of Mid-Corporate Portfolio Management or Underwriting 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 M&A and/or sponsor-backed transactions within commercial or corporate banking, investment banking, leveraged finance, private credit, private equity, or ratings agencies. + Advanced proficiency in accounting principles, financial statement analysis, and financial modeling. + 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 + Strong foundation in credit analysis, including evaluation of business risk, industry trends, and capital structures. + Proficient in Microsoft Office (Word, Excel, Powerpoint, and Outlook) **Job Expectations:** + Ability to travel up to 10% of the time + This position is not eligible for Visa sponsorship + This position offers 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 **Job Location:** + 550 S Tryon St., Charlotte, NC **Posting End Date:** 18 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. Candidates applying to job openings posted in Canada: Applications for employment are encouraged from all qualified candidates, including women, persons with disabilities, aboriginal peoples and visible minorities. Accommodation for applicants with disabilities is available upon request in connection with the recruitment process. **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. **Req Number:** R-509773

Job Tags

Work experience placement, Work at office, Shift work,

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