Senior Lead Credit Risk Officer - Corporate Credit Risk Group

At Wells Fargo, we are looking for talented people who will put our customers at the center of everything we do. We are seeking candidates who embrace diversity, equity and inclusion in a workplace where everyone feels valued and inspired. Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.

About this role:

Wells Fargo is seeking a Senior Lead Credit Risk Officer as a part of Wells Fargo's second line of defense.  The Independent Risk Management team covers jobs which lead the design and management of a highly targeted independent credit review (oversight) capability to assess the quality of lending and ongoing management of credit risk within the Bank, including adherence to risk appetite, credit policy and regulation. May include jobs which approve and provide challenge to line of business credit products, programs, transactions, and policies, and participate in acquisition due diligence.

Corporate Credit Risk independently oversees the management of credit risk exposures (including monitoring and reporting on aggregate credit exposures across groups, legal entities, geographies, and jurisdictions) and the quality of credit risk management practices across the company. This oversight extends to all phases of a loan's life cycle, including origination, underwriting, risk analysis, approval, documentation, monitoring, loss recognition, modification, and collection activities.

We are seeking highly motivated credit professionals to enable the rationalization and maintenance of wholesale credit policies, while:

  • Supporting line of business credit risk governance 
  • Complying with the Policy Management Policy
  • Ensuring a consistent credit risk profile
  • Ensuring credit professionals can easily understand and follow the requirements

We are seeking candidates with…

  • Broad and deep understanding of wholesale credit underwriting, monitoring and approval responsibilities, across multiple lines of businesses and lending types
  • Expert ability to communicate both orally and in writing to multiple constituents

In this role, you will:

  • Lead Roundtables, and serve as a subject matter expert on specific lending topics 
  • Understand, and clearly communicate, complex wholesale credit concepts
  • Build consensus for final approach on the topic
  • Write credit policies, with minimal oversight, so that it aligns with regulatory expectations and appropriately represents the bank’s risk appetite (as clearly understood by all stakeholders, Credit Professionals and third parties) and adheres to the Policy Management Policy
  • Present policy topics to Group Senior Credit Officers (GSCOs) and Business-Aligned Chief Risk Officers to build consensus for Wholesale Credit Policies
  • Identify legacy content for appropriate disposition, and coordinate with legacy content owners to implement new framework
  • Ensure proactive management of existing credit policies, procedures, and supporting documents
  • Address needed Risk Governance edits within policies
  • Identify improvement opportunities within policy, procedure, and surveillance
  • Ensure resolution of matters requiring attention from third party stakeholders
  • Provide accurate and timely answers to credit policy inquiries, from Credit Professionals and other stakeholders
  • Effective communication and partnership skills
  • Participate in recording, and content creation, of webcast supporting the quarterly Wholesale Credit Policy Publications
  • Provide perspective and feedback on various surveillance programs, such as the Credit Policy Exception (CPE) Program
  • Deliver solutions that are long-term, large-scale and require vision, creativity, innovation, advanced analytical and inductive thinking, and coordination of highly complex activities and guidance to others
  • Monitor, assess and report on asset quality, portfolio trends and credit policy exception trends
  • Approve credit transactions and participate in acquisition due diligence
  • Provide vision, direction and expertise to senior leadership on implementing innovative and significant business solutions
  • Broad and deep understanding of wholesale credit underwriting, monitoring and approval responsibilities, across multiple lines of business/lending types
  • Approve and provide challenge of line of business credit products, programs, and policies
  • Expert ability to communicate both orally and in writing to multiple constituents
  • rate and consult with peers, colleagues and managers to resolve issues and achieve goals
  • Collaborate with business for oversight of risk management
  • Interact with Audit, Legal, external agencies, and regulatory bodies on risk related topics
  • Work with internal and external customers

Required Qualifications, US:

  • 7+ years of Credit Risk experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
  • 3+ years of management experience

Desired Qualifications:

  • Previous commercial banking or wholesale credit experience  
  • Current or previous delegated credit approval authority

Posting Locations:

  • 401 S. Tryon Street - Charlotte, North Carolina
  • 600 Wells Fargo - Minneapolis, Minnesota
  • 7001 Westown Pkwy - West Des Moines, Iowa
  • 250 E John Carpenter Freeway - Irving, Texas
  • 1150 W. Washington - Tempe, Arizona

Job Expectations:

  • This position offers a hybrid work schedule
  • Preferred location(s) listed. Other locations within the Wells Fargo footprint may be considered for current Wells Fargo Corporate Risk employees

We Value Diversity

At Wells Fargo, we believe in diversity, equity and inclusion in the workplace; accordingly, we welcome applications for employment from all qualified candidates, regardless of race, color, gender, national origin, religion, age, sexual orientation, gender identity, gender expression, genetic information, individuals with disabilities, pregnancy, marital status, status as a protected veteran or any other status protected by applicable law.

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 US: 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.

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.

Drug and Alcohol Policy

Wells Fargo maintains a drug free workplace.  Please see our Drug and Alcohol Policy to learn more.


  • Type: Full time
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