Senior Lead Credit Risk and Approval Officer - Corporate and Investment Banking Risk

About this role:
Wells Fargo is seeking a Senior Lead Credit Risk & Approval Officer that approves, monitors and manages the credit exposure within the Corporate & Investment Banking Commercial Real Estate ("CRE") portfolios.
In this role, you will:

• Partner with senior LOB and Credit Risk managers to develop appropriate business strategies and targets for the region / business unit and provide leadership toward the implementation of the strategy.
• Provide a commercial approach to the business balancing market realities with appropriate risk management.
• Maintain appropriate credit quality and portfolio health through proper, timely and thoughtful credit risk decisions, recommendations, and approvals.
• Identify and manage portfolio trends, portfolio risks and concentrations.
• Ensure timely and accurate approvals, portfolio monitoring and reporting, risk rating grading changes and certifications, problem loan management, and non-accrual and loss identification and forecasting.
• Bring appropriate team members (inside and outside the LOB) into the deal approval process.
• Assist the relationship management teams in providing clear and concise recommendations and analysis for distribution up the approval chain.
• Assist and support business units in their efforts to prepare for and achieve satisfactory exams from RAR, OCC, Audit, etc.
• Reinforce Wells Fargo's strong credit culture and strengthen team member engagement across the region.
• Train and develop team members to ensure a strong pipeline of diverse future leadership talent at all levels of the organization.
• Play an active role in knowing and supporting the customer by attending customer meetings.
• Develop an expertise in the geographies / markets covered by actively participating in the local real estate community and industry organizations.
• Engage and influence stakeholders, internal partners, and peers associated with analyzing new business products and prospects.
• Identify and recommend opportunities for approving loans and partner on structuring pricing and documentation for loan transactions of large size.
• Determine appropriate strategy and actions of Credit Risk team to meet moderate to high-risk deliverables.
• Collaborate and influence all levels of professionals including more experienced managers.
• Interact with internal and external customers.
• Develop and guide a culture of talent development to meet business objectives and strategy.

Required Qualifications:

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

Desired Qualifications:

• A BS/BA degree or higher in accounting, finance, or economics
• Proven knowledge of commercial real estate, capital markets and related industries.
• Prior real estate loan workout experience.
• Strong credit analysis skills
• Excellent verbal, written and interpersonal communication skills.
• Confirmed ability to be a thought leader in a large matrix organization.
• Consistent success in making sound business and credit decisions.
• Consistent ability to ensure team member alignment with business strategies and risk appetite.
• Demonstrated success making deals and building relationships.
• Deep understanding of Wells Fargo's Commercial Real Estate (CRE) lending philosophy and credit culture.

Posting Locations:

• 550 S. Tryon Street - Charlotte, North Carolina
• 1700 K St NW - Washington, District of Colombia

Job Expectations:

• Required location(s) listed above. Relocation assistance is not available for this position.
• This position currently offers a hybrid work schedule.
• This position is not eligible for VISA sponsorship.
• This position is subject to FINRA Background Screening Requirements, including successful completion and clearing of a background check. Internal transfers are subject to comply with 17 CFR 240.17f-2 of the Securities Exchange Act of 1934 and FINRA Bylaws, Article III, Section 3, which states that Associated Persons should not be subject to statutory disqualification. Successful candidates must also meet ongoing regulatory requirements including additional screening and are required to report certain incidents.
• Specific compliance policies may apply regarding outside activities and/or personal investing; affected employees will be expected to provide information to the Wells Fargo Personal Account Dealing Team and abide by applicable policy requirements if hired. Information will be shared about expectations during the recruitment process.

Pay Range
Reflected is the base pay range offered for this position. Pay may vary depending on factors including but not limited to achievements, skills, experience, or work location. The range listed is just one component of the compensation package offered to candidates.
$215,000.00 - $355,000.00
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:
14 Dec 2025
* 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.