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At Wells Fargo, we are looking for talented people who will put our customers at the center of everything we do. 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 **Lead Credit Risk Officer** for the Credit Risk department within Corporate Risk to provide senior credit officers, Chief Risk Officer (CROs), the Chief Credit Officer (CCO) and various other business partners with insights into the Wholesale credit portfolio and a proactive, forward-looking in-depth analysis in support of emerging risk identification and impact quantification, portfolio performance forecasting, loss mitigation, and concentrations and limits management.

In this role, you will:

+ Lead 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

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

+ Develop and deploy analytical tools to identify, analyze and monitor 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

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:

+ 5 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

+ Advanced Microsoft Excel skills

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

+ Strong knowledge of debt markets, debt instruments and commercial loan products

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

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

Posting Locations:

+ 401 S. Tryon Street - Charlotte, North Carolina

+ 600 Wells Fargo - Minneapolis, Minnesota

+ 7001 Westown Parkway - West Des Moines, Iowa

+ 250 E John Carpenter Frwy - Irving, Texas

+ 1150 W. Washington - Tempe, Arizona

Job Expectations:

+ Ability to work at one of the approved locations in the job posting.

+ This position is not eligible for Visa sponsorship.

+ This position currently offers a hybrid schedule.

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

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.

$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 (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:

27 Jul 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-471762