Lead Credit Risk Officer | Commercial Credit Risk

About the role

Wells Fargo is seeking a Lead Credit Risk Officer within Commercial Credit Risk, part of Corporate Risk. This role will support the Risk Rating Methodology team (RRM) in Wholesale Credit Risk. RRM manages the company’s commercial risk rating framework, including the development and refinement of risk rating methodologies and grids for commercial credit exposures across Wells Fargo. RRM provides oversight of commercial business risk rating methodologies which includes analyzing risk rating data, approving business risk rating policies and processes, as well as risk rating tool and application training, usage monitoring, SME support, and tracking and resolving risk rating related issues.

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 the 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.

Requirements

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

Qualifications

• 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 with 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 with the 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.

Job expectations

This position is not eligible for VISA sponsorship. Relocation assistance is not available. The role follows a hybrid work model requiring work from a Wells Fargo facility at least four days a week, with flexibility to work remotely one day a week. Ability to work at one of the approved locations listed below is required.

Locations

• 401 S Tryon St – Charlotte, North Carolina 28202
• 600 S 4th St – Minneapolis, Minnesota 55415
• 401 W Las Colinas Blvd – Irving, Texas 75039
• 800 S Jordan Creek Pkwy – West Des Moines, Iowa 50266

Pay

Base pay range: $139,000.00 - $239,000.00. Pay may vary depending on factors including but not limited to demonstrated examples of prior performance, skills, experience, or work location. Employees may also be eligible for incentive opportunities.

Benefits

• 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: 1 Nov 2026 (may come down early due to volume of applicants). Reference number: R-575730-3.