Lead Credit Risk Officer | Commercial Credit Risk

About the role
Wells Fargo is seeking a Lead Credit Risk Officer within Commercial Credit Risk, part of Corporate Risk. This role will support the Risk Rating Methodology team (RRM) in Wholesale Credit Risk. RRM manages the company's commercial risk rating framework, including the development and refinement of risk rating methodologies and grids for commercial credit exposures across Wells Fargo. RRM provides oversight of commercial business risk rating methodologies which includes analyzing risk rating data, approving business risk rating policies and processes, as well as, risk rating tool and application training, usage monitoring, SME support, and tracking and resolving risk rating related issues.
In this role, you will:

• Lead the development and refinement of commercial credit risk rating methodologies, grids, and guidance.
• Analyze risk rating data, identify trends and issues, and develop recommendations for senior management.
• Provide subject matter expertise and effective challenge related to risk rating policies, methodologies, tools, and procedures.
• Evaluate the usage and performance of risk rating methodologies and drive identified issues through resolution.
• Develop business requirements and support technology implementation, testing, and rollout of new or enhanced risk rating tools.
• Lead cross-functional initiatives and governance processes involving business, risk, technology, and other key stakeholders.
• Analyze and recommend changes to business risk rating policies and procedures.
• Build strong partnerships across the organization to promote consistency with enterprise risk rating policies and practices.
• Support the resolution of findings and recommendations from Credit Review, Internal Audit, and regulatory agencies.
• Develop and present risk rating topics, findings, and recommendations to senior management and regulators.

Required Qualifications, US:

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

Desired Qualifications:

• Structured products and/or commercial real estate experience.
• Credit risk, commercial underwriting, commercial loan review, portfolio management, or related financial services experience.
• Strong analytical skills with the ability to interpret data and translate findings into actionable recommendations.
• Experience communicating complex issues, risks, and recommendations to senior leaders.
• Strong project management skills with the ability to manage multiple priorities.
• Experience facilitating meetings and leading cross-functional initiatives.
• Advanced Microsoft Office skills, particularly Excel and PowerPoint.
• Excellent written, verbal, and interpersonal communication skills.

Job Expectations:

• This position is not eligible for VISA sponsorship.
• Ability to work at one of the approved locations in the job posting. Relocation assistance is not available for this position.
• Willingness to comply with our current hybrid work model; working from a Wells Fargo facility at least four days a week, with the flexibility to work remotely one day a week.

Posting Locations:

• 401 S Tryon St - Charlotte, North Carolina 28202
• 600 S 4th St - Minneapolis, Minnesota 55415
• 401 W Las Colinas Blvd - Irving, Texas 75039
• 800 S Jordan Creek Pkwy - West Des Moines, Iowa 50266

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.
$139,000.00 - $239,000.00
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:
1 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.
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