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About this role:

Wells Fargo is seeking a Senior Credit Risk Specialist to provide senior credit officers, Chief Risk Officers (CROs), the Chief Credit Officer (CCO) and various other business partners with in-depth credit analysis in support of credit risk management, credit risk appetite, strategic initiatives and planning, and capital optimization. The Senior Credit Risk Specialist will produce ad-hoc and standardized periodic deliverables centered around credit risk analysis and portfolio management for the Wholesale Credit portfolio and support the Risk Measurement Program management, emerging risk identification and impact quantification and portfolio performance forecasting processes.

In this role, you will:

+ Support senior leadership in the development and implement of strategies, programs and policies with a direct and significant impact on credit risk appetite.

+ Support complex initiatives including those that are cross-functional with broad impact and act as key participant in driving the company credit culture, desire, and business performance for Credit Risk.

+ Review and analyze strategies, programs and policies with a direct and significant impact on credit risk appetite and culture.

+ Deliver solutions that are long-term, large-scale and require vision, creativity, innovation, advanced analytical and inductive thinking, and coordination of complex activities and guidance to others.

+ Produce high quality ad-hoc and standardized periodic deliverables centered around credit risk analysis and portfolio management for the Wholesale Credit portfolio.

+ Monitor portfolio, financial, market and economic data and assess the impact to credit fundamentals.

+ Support the development and deployment of analytical tools to identify, monitor and analyze single name, sector, concentration, and portfolio risks.

+ Monitor, assess and report on asset quality, portfolio trends and credit policy exception trends.

+ Identify emerging credit risks and correlated risk pools that could potentially impact earnings and capital. Develop risk mitigating strategies in partnership with CRO organizations.

+ Develop and implement Business As Usual (BAU) stress testing procedures that inform risk identification and risk appetite.

+ Provide credible challenge of line of business credit products, programs, and policies.

+ Support the Business Loss Forecast (BLF), Current Expected Credit Losses (CECL) and Comprehensive Capital Analysis and Review (CCAR) processes, credit migration management, and concentration management with credit research.

+ Provide key stakeholders with subject matter expertise and reliable, transparent analysis and reporting.

+ Interact with Audit, Legal, external agencies, and regulatory bodies on risk related topics.

Required Qualifications:

+ 4+ years of Credit Risk experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education.

Desired Qualifications:

+ 4 years of related experience preferably to include credit risk, markets, credit research or portfolio management.

+ Ability to assess the quality of lending and ongoing management of credit risk within the Bank, including adherence to risk appetite, credit policy and regulations.

+ Strong commercial credit analysis skillset.

+ Ability to present complex material in a digestible, consumable manner to all levels of management.

+ Strong Microsoft Excel skills.

+ Advanced problem solving and analytical skills with ability to turn findings into strategic imperatives.

+ Good knowledge of debt markets, debt instruments and commercial loan products.

+ Experience with corporate credit relative value and market-based pricing a plus.

+ Bachelor’s degree or higher in finance, accounting, business or quantitative discipline.

Job Expectations:

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

+ This position offers a hybrid work schedule.

+ Not eligible for Visa Sponsorships

+ Job posting may come down early due to volume of applicants.

Job Posting Locations:

+ 401 S Tryon St Charlotte, NC

+ 600 S 4th St, Minneapolis, MN

+ 800 S Jordan Creek Pkwy, West Des Moines, IA

+ 1150 W Washington St., Tempe, AZ

+ 250 E John Carpenter Frwy, 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 achievements, skills, experience, or work location. The range listed is just one component of the compensation package offered to candidates.

$84,000.00 - $149,400.00

Benefits

Wells Fargo provides eligible employees with a comprehensive set of benefits, many of which are listed below. Visit Benefits - Wells Fargo Jobs (https://www.wellsfargojobs.com/en/life-at-wells-fargo/benefits) 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:

5 Jun 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.

Applicants with Disabilities

To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo (https://www.wellsfargojobs.com/en/diversity/disability-inclusion/) .

Drug and Alcohol Policy

Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy (https://www.wellsfargojobs.com/en/wells-fargo-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-461234