Lead Credit Risk & Approval Officer - Commercial Banking, Corporate Risk

Credit Risk: As a part of Wells Fargo's second line of defense, 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 challenges to line of business credit products, programs, transactions, and policies, and participate in acquisition due diligence.
About This Role:
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
• Ensuring proper Line of Business implementation of, and adherence to, the wholesale credit policies

Rationalization:

• 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
• appropriately represents the bank's risk appetite,
• is clearly understood by all stakeholders (Credit Professionals and third-parties)
• 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 WHSL Credit Policies.
Identify legacy content for appropriate disposition, and coordinate with legacy content owners so implement new framework.
Ensure proper Line of Business implementation of, and adherence to, wholesale credit policies.
Business As Usual:

• Ensure proactive management of existing credit policies, procedures, and supporting documents
• Address needed Risk Governance edits within policies
• Adherence to the Policy Management Policy standards
• Identify improvement opportunities within policy, procedure, and surveillance.

• Provide accurate and timely answers to credit policy inquiries, from Credit Professionals and other stakeholders
• Effective communication and partnership skills to influence senior stakeholders and build consensus through clear, disciplined credit risk communication

• Participate in content creation of quarterly WHSL Credit Policy Publications
• Provide perspective and feedback on various surveillance programs, such as the Credit Policy Exception (CPE) Program
• Lead resolution of Issues and related corrective actions.
• 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 and provide credible challenge of line of business credit products, programs, and policies
• Provide vision, direction and expertise to senior leadership on implementing innovative and significant business solutions
• Collaborate with peers, colleagues and managers for oversight of risk management
• Interact with Audit, Legal, external agencies, and regulatory bodies on risk related topics

Required Qualifications:

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

Desired Qualifications:

• Commercial Real Estate credit experience within a large, regulated financial institution.
• Current or prior delegated credit approval authority, including approval of complex credit transactions and provision of effective independent challenge.
• Experience in credit policy development and governance.
• Demonstrated ability to influence senior stakeholders and build consensus through clear, disciplined credit risk communication.
• 3+ years of management or senior leadership experience, including leading teams or enterprise-wide, cross-functional initiatives.

Job Expectations:

• Willingness to work on-site at stated location on the job opening

Job Posting Locations:

• 401 S Tryon St Charlotte, NC
• 600 S 4th St, Minneapolis, MN
• 401 Las Colinas Blvd W Bldg B, Irving, TX

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.
$185,000.00 - $300,000.00
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:
14 May 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.