Credit Risk Specialist

Wells Fargo•Charlotte, NC

7d•$77,000 - $121,000•Hybrid

About The Position

Wells Fargo is seeking a Credit Risk Specialist within the Wealth & Investment Management (WIM) Credit Risk Team. This role is structured as a development pathway for high-potential talent to progress toward future credit approval responsibilities for complex lending transactions. The position supports the WIM lending platform by integrating portfolio-level risk assessment with structured exposure to credit underwriting fundamentals and risk-based transaction structuring. The role is responsible for evaluating portfolio and transaction-level credit risk through the application of analytical frameworks, including scenario analysis and stress-based methodologies, to assess performance across a range of market conditions. This includes aggregating and interpreting portfolio and exposure-level data to identify key sensitivities, vulnerabilities, and concentrations, with a focus on informing risk-based structuring decisions. The individual will develop and deliver risk attribution insights that link stressed outcomes to primary risk drivers—including collateral performance, liquidity dynamics, and leverage profiles—and translate these insights into actionable recommendations regarding advance rates, structural protections, and other transaction terms. These analyses will be communicated to senior stakeholders to support disciplined credit decision-making, portfolio positioning, and proactive management of emerging risks. A core component of the role involves the evaluation of complex credit transactions, applying structured analytical approaches to assess and challenge Front Line proposals, with a focus on identifying material risk drivers and appropriate mitigants. The individual will also support the underwriting and ongoing review of Wealth Management credit exposures, including revolving and term lending solutions for high-net-worth and ultra-high-net-worth clients, through detailed assessment of financial statements, liquidity, leverage, cash flow generation, and global balance sheet strength.

Requirements

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

Nice To Haves

Prior experience in credit-related roles (e.g., lending, underwriting, credit risk, investment banking, private credit, or capital markets), with exposure to transaction analysis or portfolio risk assessment
Demonstrated ability to analyze client financial statements, liquidity, leverage, cash flow, and balance sheet strength to assess repayment capacity and overall creditworthiness
Experience applying analytical frameworks—including scenario analysis or downside assessment—to evaluate credit risk and inform structuring decisions
Ability to interpret model outputs and data-driven insights, and translate them into clear, actionable risk perspectives
Familiarity with credit risk concepts, including probability of default, loss severity, and risk drivers across different asset classes
Exposure to stress testing, forecasting, or portfolio risk processes (e.g., CCAR, CECL, BLF) preferred but not required
Proficiency in analytical and data tools (e.g., Python, R, SQL, Excel), with the ability to work with large datasets and synthesize insights
Experience leveraging data and emerging tools (including AI capabilities) to enhance analysis and decision support
Understanding of broader risk disciplines (e.g., market, liquidity, counterparty risk) is a plus
Strong critical thinking skills with the ability to evaluate complex problems and challenge assumptions
Excellent written and verbal communication skills, with the ability to present complex analyses clearly to senior stakeholders
Ability to operate effectively in a fast-paced environment, manage competing priorities, and collaborate across teams

Responsibilities

Participate in less complex initiatives and identify opportunity for risk mitigation strategies within Credit Risk
Lead, develop, and implement strategic initiatives and processes to drive the company credit culture, appetite, and business performance
Review and analyze reports to assess and predict risk and monitor performance that require research, evaluation, and selection of alternatives, and exercise independent judgment to guide medium risk deliverables
Receive direction from leaders
Exercise independent judgment while developing the knowledge to understand function, policies, procedures, and compliance requirements
Collaborate and consult with peers, colleagues and managers to resolve issues and achieve goals
Interact with internal customers
Demonstrate strong risk mindset and intellectual independence.
Balance quantitative rigor with sound judgment.
Be comfortable operating in both framework-driven analysis and judgment-based credit decisions.
Show progression toward owning risk decisions, not just producing analysis.