Lead Credit Risk Officer (Wholesale Credit Policy)

Wells Fargo Bank•Charlotte, NC

About The Position

Wells Fargo is seeking a Lead Credit Risk Officer to support the rationalization, development, and ongoing maintenance of Wholesale Credit Policy content. The role strengthens credit risk governance across lines of business by ensuring policy content aligns with regulatory expectations, the bank’s risk appetite, and Policy Management requirements. The successful candidate serves as a subject matter expert on complex lending topics, leads cross-functional policy roundtables, builds stakeholder consensus, and develops clear, actionable policy content that credit professionals and business partners can understand and apply consistently. The position requires strong communication, facilitation, influencing, and policy-writing skills, including presenting recommendations and gaining alignment from Group Senior Credit Officers and business-aligned policy partners. The role leads complex initiatives, reviews strategies and policies affecting credit risk appetite, advises on credit risk and policy governance, and works with business, Audit, Legal, and Compliance stakeholders. Sponsorship is not offered for this position.

Requirements

At least 5 years of Credit Risk experience, or equivalent demonstrated through work experience, training, military experience, or education.
Strong communication, facilitation, influencing, and policy-writing skills.
Ability to present recommendations and gain alignment from senior credit and business policy stakeholders.

Nice To Haves

Broad wholesale credit experience within a large, regulated financial institution.
Solid understanding of Wholesale Credit Underwriting.
Strong policy-writing capabilities.
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.
Proven ability to influence senior stakeholders and drive enterprise-wide consistency in credit risk management.
Prior management or senior leadership experience, including leading teams or enterprise-wide, cross-functional initiatives.

Responsibilities

Lead complex initiatives, including cross-functional initiatives with broad impact.
Review and analyze complex strategies, programs, and policies with a direct and significant impact on credit risk appetite.
Ensure policies align with regulatory expectations, risk appetite, and governance standards.
Serve as a trusted advisor and subject matter expert on credit risk topics and policy governance.
Exercise independent judgment while developing knowledge of the function, policies, procedures, and compliance requirements of supported businesses.
Collaborate and consult with peers, colleagues, and managers to resolve issues and achieve goals.
Interact with internal and external customers.
Collaborate with the business for oversight of risk management.
Interact with Audit, Legal, and Compliance on risk-related topics.
Lead cross-functional policy roundtables, build stakeholder consensus, and develop clear, actionable credit policy content.
Present recommendations and gain alignment from Group Senior Credit Officers and business-aligned policy partners.