Senior Lead Credit Risk Officer (Wholesale Credit Policy)

About this role:
Wells Fargo is seeking a Senior Lead Credit Risk Officer to support the rationalization, development, and ongoing maintenance of Wholesale Credit Policy content for businesses. This role is responsible for strengthening credit risk governance across lines of business by ensuring content aligns with regulatory expectations, the bank's risk appetite, and Policy Management requirements. The successful candidate will serve as a subject matter expert on complex lending topics, lead cross-functional policy roundtables, build stakeholder consensus, and develop clear, actionable credit policy content that can be easily understood and consistently applied by credit professionals and business partners. This position requires expert communication, facilitating, influencing, and policy-writing skills, including the ability to present recommendations and gain alignment from Group Senior Credit Officers and business-aligned policy partners.
In this role, you will:

• Lead complex initiatives including those that are cross-functional with broad impact
• Write credit polices with minimal guidance to align with regulatory requirements, appropriately represent the bank's risk appetite and adhere to Wholesale content and the Policy Management Policy
• 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 as well as policy governance
• Exercise independent judgment while developing the knowledge to understand function, policies, procedures, and compliance requirements across multiple lines of business/lending types
• Collaborate and consult with peers, colleagues and managers to resolve issues and achieve goals. Expert ability to communicate both orally and in writing to multiple constituents.
• Interact with internal and external customers
• Collaborate with business for oversight of risk management
• Interact with Audit, Legal, Control, external agencies, regulatory bodies and Compliance on risk related intiatives
• Lead roundtables and serve as a subject matter expert on specific lending topics
• Participate in content creation for Wholesale Credit Policy publications
• Provide perspective and feedback on various surveillance programs such as the Credit Policy Exception (CPE) Program
• Lead resolution of Issues and related corrective actions

Required Qualifications:

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

Desired Qualifications:

• 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
• 3+ years of prior management or senior leadership experience, including leading teams or enterprise wide, cross functional initiatives

Job Expectations:

• This position does not offer sponsorship

Pay Range
Reflected is the base pay range offered for this position. 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.
$185,000.00 - $300,000.00
Benefits
Wells Fargo provides eligible employees with a comprehensive set of benefits, many of which are listed below. Visit Benefits - Wells Fargo Jobs for an overview of the following benefit plans and programs offered to employees.

• 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:
13 Oct 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.
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.