Lead Credit Risk Officer (Wholesale Credit Policy)

Wells Fargo & Company•Minneapolis, MN

2d•$139,000 - $239,000

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 aligning policy content 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 for consistent application by credit professionals and business partners. The position calls for 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, broadly impactful initiatives; analyzes strategies, programs, and policies that significantly affect credit risk appetite; and advises on credit risk topics and policy governance. It also involves collaboration with business partners and internal control functions, as well as interaction with internal and external customers. The position does not offer sponsorship.

Requirements

At least 5 years of Credit Risk experience, or equivalent demonstrated through work experience, training, military experience, education, or a combination of these.
Strong communication, facilitation, influencing, and policy-writing skills.

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.
Use independent judgment while developing an understanding of the supported businesses’ functions, policies, procedures, and compliance requirements.
Collaborate and consult with peers, colleagues, and managers to resolve issues and achieve goals.
Interact with internal and external customers.
Collaborate with the business on risk management oversight.
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.