Wells Fargo is seeking a Lead Credit Risk Officer for the Credit Risk department within Corporate Risk to provide senior credit officers, Chief Risk Officers (CROs), the Chief Financial Officer (CFO) and various other business partners with in-depth credit analysis in support of credit risk management, credit risk appetite, strategic initiatives and planning, and capital optimization. The Lead Credit Risk Officer will produce ad-hoc and standardized periodic deliverables centered around credit risk analysis and portfolio management for the Wholesale Credit portfolio and support the Risk Measurement Program management, emerging risk identification and impact quantification, and portfolio performance forecasting processes.
In this role, you will:
- Advise senior leadership to develop and implement strategies, programs and policies with a direct and significant impact on credit risk appetite.
- Lead complex initiatives including those that are cross-functional with broad impact and act as key participant in driving the company credit culture, desire, and business performance for Credit Risk.
- Review and analyze complex strategies, programs and policies with a direct and significant impact on credit risk appetite and culture.
- Deliver solutions that are long-term, large-scale and require vision, creativity, innovation, advanced analytical and inductive thinking, and coordination of highly complex activities and guidance to others.
- Produce high quality ad-hoc and standardized periodic deliverables centered around credit risk analysis and portfolio management for the Wholesale Credit portfolio.
- Monitor portfolio, financial, market and economic data and assess the impact to credit fundamentals.
- Develop and deploy analytical tools to identify, monitor and analyze single name, sector, concentration, and portfolio risks.
- Monitor, assess and report on asset quality, portfolio trends and credit policy exception trends.
- Identify emerging credit risks and correlated risk pools that could potentially impact earnings and capital. Develop risk mitigating strategies in partnership with CRO organizations.
- Develop and implement Business As Usual (BAU) stress testing procedures that inform risk identification and risk appetite.
- Provide credible challenge of line of business credit products, programs, and policies.
- Support the Business Loss Forecast (BLF), Current Expected Credit Losses (CECL) and Comprehensive Capital Analysis and Review (CCAR) processes, credit migration management, and concentration management with credit research.
- Provide key stakeholders with subject matter expertise and reliable, transparent analysis and reporting.
- Interact with Audit, Legal, external agencies, and regulatory bodies on risk related topics.
Required Qualifications:
- 5+ years of Credit Risk experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
Desired Qualifications:
- 5 years of related experience preferably to include credit risk, markets, credit research or portfolio management.
- Ability to assess the quality of lending and ongoing management of credit risk within the Bank, including adherence to risk appetite, credit policy and regulations.
- Strong commercial credit analysis skillset.
- Ability to present complex material in a digestible, consumable manner to all levels of management.
- Advanced Microsoft Excel skills.
- Outstanding problem solving and analytical skills with ability to turn findings into strategic imperatives.
- Strong knowledge of debt markets, debt instruments and commercial loan products.
- Experience with corporate credit relative value and market-based pricing a plus.
- Bachelor's degree or higher in finance, accounting, business or quantitative discipline.
Job Locations:
- 401 S. Tryon Street - Charlotte, North Carolina
Job Expectations:
- Ability to work at one of the approved locations in the job posting.
- This position is not eligible for Visa sponsorship.
- This position offers a hybrid schedule.
Posting End Date:
9 Nov 2026
*Job posting may come down early due to volume of applicants.
We Value Equal Opportunity
Wells Fargo is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected characteristic.
Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit's risk appetite and all risk and compliance program requirements.
Candidates applying to job openings posted in Canada: Applications for employment are encouraged from all qualified candidates, including women, persons with disabilities, aboriginal peoples and visible minorities. Accommodation for applicants with disabilities is available upon request in connection with the recruitment process.
Applicants with Disabilities
To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo .
Drug and Alcohol Policy
Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy to learn more.
Wells Fargo Recruitment and Hiring Requirements:
a. Third-Party recordings are prohibited unless authorized by Wells Fargo.
b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.
c. Please be prepared to provide accurate information and supporting documentation in connection with any lawful employment and education verification conducted by Wells Fargo.
#BI-Hybrid
Skills Required
- 5+ years of credit risk experience or equivalent demonstrated through work experience, training, military experience, or education
- Ability to assess lending quality and ongoing credit risk management against risk appetite, credit policy, and regulations
- Strong commercial credit analysis skills
- Ability to present complex material clearly to all management levels
- Advanced Microsoft Excel skills
- Strong problem-solving and analytical skills
- Knowledge of debt markets, debt instruments, and commercial loan products
- Experience with corporate credit relative value and market-based pricing
- Bachelor's degree or higher in finance, accounting, business, or a quantitative discipline
Wells Fargo Compensation & Benefits Highlights
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Retirement Support — Pay is considered stronger due to a 401(k) match up to 6% and, for some lower earners, an additional company contribution. Feedback suggests the retirement program is a standout element of the total package.
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Parental & Family Support — Eligible employees can receive up to 16 weeks of paid parental leave, along with critical-caregiving leave and backup care resources. Feedback suggests this breadth of family support is a meaningful advantage.
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Healthcare Strength — Medical, dental, and vision coverage begin on the first day for eligible employees, with the employer covering a large share of premiums in some plan scenarios. Feedback suggests access and plan breadth are strong.
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What We Do
Wells Fargo & Company (NYSE: WFC) is a leading financial services company that has approximately $2.2 trillion in assets. We provide a diversified set of banking, investment and mortgage products and services, as well as consumer and commercial finance, through our four reportable operating segments: Consumer Banking and Lending, Commercial Banking, Corporate and Investment Banking, and Wealth & Investment Management. Wells Fargo ranked No. 33 on Fortune’s 2025 rankings of America’s largest corporations. Our technology professionals drive innovation, information security, and big data analytics while maintaining a network that handles more than 12 billion customer interactions a year. Join us! Are you looking for more? Find it here. At Wells Fargo, we're more than a financial services leader – we’re a global trailblazer committed to driving innovation, empowering communities, and helping our customers succeed. We believe that a meaningful career is much more than just a job – it’s about finding all of the elements to help you thrive, in one place. Living the Well Life means you’re supported in life, not just work. It means having robust benefits, competitive compensation, and programs designed to help you find work-life balance and well-being. You’ll be rewarded for investing in your community, celebrated for being your authentic self, and empowered to grow. And we’re recognized for it — Wells Fargo continues to rank on the LinkedIn Top Companies lists of best workplaces “to grow your career.” All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected characteristic. © 2026 Wells Fargo Bank, N.A. All rights reserved. Member FDIC.
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