Lead Credit Risk Officer | Commercial Credit Risk

Wells Fargo Bank•Charlotte, NC

2d•Hybrid

About The Position

Wells Fargo is seeking a Lead Credit Risk Officer within Commercial Credit Risk, part of Corporate Risk. The role supports the Risk Rating Methodology team (RRM) in Wholesale Credit Risk. RRM manages the company’s commercial risk rating framework, including developing and refining methodologies and grids for commercial credit exposures across Wells Fargo. The team oversees commercial business risk rating methodologies by analyzing risk rating data, approving policies and processes, supporting risk rating tools and application training, monitoring usage, providing subject matter expertise, and tracking and resolving related issues. The Lead Credit Risk Officer will lead methodology and guidance development, analyze risk rating data and recommend actions, provide subject matter expertise and effective challenge, and evaluate methodology usage and performance. The role also supports technology implementation and governance, leads cross-functional initiatives, builds partnerships across the organization, supports resolution of review and audit findings, and presents risk rating topics and recommendations to senior management and regulators. The position is based at one of the approved locations and follows Wells Fargo’s hybrid work model: employees work from a Wells Fargo facility at least four days per week, with the flexibility to work remotely one day per week. Visa sponsorship and relocation assistance are not available. The base pay range is $139,000 to $239,000, with possible eligibility for incentive opportunities. The posting end date is November 1, 2026, though the posting may be removed earlier due to applicant volume.

Requirements

At least 5 years of Credit Risk experience, or equivalent demonstrated through work experience, training, military experience, education.
Ability to work at one of the approved job locations.
Willingness to comply with the hybrid work model, working from a Wells Fargo facility at least four days a week and remotely up to one day a week.

Nice To Haves

Structured products and/or commercial real estate experience.
Credit risk, commercial underwriting, commercial loan review, portfolio management, or related financial services experience.
Strong analytical skills, including the ability to interpret data and translate findings into actionable recommendations.
Experience communicating complex issues, risks, and recommendations to senior leaders.
Strong project management skills and ability to manage multiple priorities.
Experience facilitating meetings and leading cross-functional initiatives.
Advanced Microsoft Office skills, particularly Excel and PowerPoint.
Excellent written, verbal, and interpersonal communication skills.

Responsibilities

Lead the development and refinement of commercial credit risk rating methodologies, grids, and guidance.
Analyze risk rating data, identify trends and issues, and develop recommendations for senior management.
Provide subject matter expertise and effective challenge related to risk rating policies, methodologies, tools, and procedures.
Evaluate the usage and performance of risk rating methodologies and drive identified issues through resolution.
Develop business requirements and support technology implementation, testing, and rollout of new or enhanced risk rating tools.
Lead cross-functional initiatives and governance processes involving business, risk, technology, and other key stakeholders.
Analyze and recommend changes to business risk rating policies and procedures.
Build strong partnerships across the organization to promote consistency with enterprise risk rating policies and practices.
Support resolution of findings and recommendations from Credit Review, Internal Audit, and regulatory agencies.
Develop and present risk rating topics, findings, and recommendations to senior management and regulators.