Sign up to access all features of our service.
  • Job search
  • Favorites
  • Create a CV
    New
  • Salaries
  • Subscriptions

Lead Credit Risk Officer (Wholesale Credit Policy)

$139k - $239k
Full-time

Wells Fargo Bank

About this role:

Wells Fargo is seeking a 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 are easily understood and consistently applied by credit professionals and business partners. This position requires strong 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
  • 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 of supported businesses
  • Collaborate and consult with peers, colleagues and managers to resolve issues and achieve goals
  • Interact with internal and external customers
  • Collaborate with business for oversight of risk management
  • Interact with Audit, Legal, and compliance 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:

  • 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.
  • Proven ability to influence senior stakeholders and drive enterprise-wide consistency in credit risk management.
  • 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. $139,000.00 - $239,000.00

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:

22 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.

#DNP-IND
Vacancy posted 2 days ago
Similar jobs that could be interesting for youBased on the Lead Credit Risk Officer (Wholesale Credit Policy) in Charlotte, NC vacancy
  •  ...role:Wells Fargo is seeking a Lead Risk Analytics Consultant to join...  ...capital adequacy, with a focus on Wholesale, Securitization and Equity...  ....Specific compliance policies may apply regarding outside activities...  ...applicable risk programs (Credit, Market, Financial Crimes, Operational... 
    Policy
    Full time
    Work experience placement

    Wells Fargo

    Charlotte, NC
    1 day ago
  • $164.78k - $314.96k

     ...military spouses consistent with applicable policy and business needs.The OpportunityAs a dedicated Bank Credit Risk Analyst Lead, you will have a strong background in credit...  ...residing within a 60-mile radius of a USAA office will be expected to work on-site four days per... 
    Policy
    Full time
    H1b
    Work at office
    Remote work
    Home office
    Shift work

    USAA - United Services Automobile Association

    Charlotte, NC
    14 hours ago
  • $127.31k - $229.16k

     ...spouses consistent with applicable policy and business needs.The...  ...requires an individual to be in the office 4 days per week. This position...  ...initiatives in support of risk and/or regulatory compliance related...  ...to problem resolution and leads project team from concept... 
    Policy
    Full time
    H1b
    Work at office
    Remote work
    Home office
    Relocation package
    Flexible hours

    USAA - United Services Automobile Association

    Charlotte, NC
    3 days ago
  •  ...review the following job description:The Wholesale Credit Delivery Associates and Analysts have a...  ...businesses and facilitates financial analysis, risk assessment and credit structure...  ...particular emphasis on adherence to credit policy and requirements. Supplements analysis... 
    Policy
    Full time
    Part time
    Work experience placement
    Shift work
    Day shift

    Truist

    Charlotte, NC
    1 day ago
  • $143.32k - $273.93k

     ...spouses consistent with applicable policy and business needs.The OpportunityOur Property & Casualty (P&C) Risk team is seeking a Quantitative Risk Analyst Lead to leverage advanced analytics,...  ...requires an individual to be in the office 4 days per week. This position can... 
    Policy
    Full time
    Work experience placement
    H1b
    Work at office
    Remote work
    Home office
    Flexible hours

    USAA - United Services Automobile Association

    Charlotte, NC
    3 days ago
  • $210.5k - $289.5k

     ...world.Job DescriptionAs VP Chief Credit Officer, you will provide strategic leadership for credit risk management and lending...  ...Ameriprise Bank. You will shape credit policy, underwriting standards,...  ...across organizational levels and lead through complex business challengesU... 
    Policy
    Full time
    H1b
    Work at office
    Work from home
    Visa sponsorship
    1 day per week

    Ameriprise Financial

    Charlotte, NC
    14 hours ago
  •  ...Job Description Inventory Lead Exciting Opportunity in Charlotte...  ...'re a leading e-commerce and wholesale tire distributor focused on...  ..., adhering to all company policies and procedures. Requirements...  .... Proficient in Microsoft Office Suite (Excel, Word, Outlook).... 
    Policy
    Full time
    Contract work
    Casual work
    Work at office
    Flexible hours
    Day shift

    Priority Tire

    Belmont, NC
    8 days ago
  •  ...is committed to an in-office culture that supports collaboration...  ...clients and related credit products, partnering...  ..., operations and risk teams to support the client...  ...create solutions Leads loan structure conversations...  ...adherence to credit policies, guidelines, procedures... 
    Policy
    Work at office
    Flexible hours
    Shift work
    Day shift

    Bank of America Corporation

    Charlotte, NC
    a month ago
  •  ...looking for “Great People Who Lead” at all levels in the organization...  ...six solution areas including Risk Management, Energy &...  ...determine what factors may affect policy performance (e.g. time series...  ...; and proficient in Microsoft Office Products (Word/Excel/Power point... 
    Policy
    Full time
    Contract work
    Temporary work
    For contractors
    Work at office
    Flexible hours

    Prosidian Consultng

    Charlotte, NC
    14 hours ago
  •  ...overall management of the Wholesale Payments/Treasury...  ...execution, operating and risk functions. This leader...  ...follow all applicable policies and procedures. Proactively...  ...experience- leading a team of managers and...  ...applications, such as Microsoft Office software productsPreferred... 
    Policy
    Full time
    Part time
    Work experience placement
    Work at office
    Shift work
    Day shift

    Truist

    Charlotte, NC
    1 day ago
  •  ...for managing an industry-leading group that delivers Wholesale Payments solutions to clients...  ...and maintaining effective risk controls through...  ...and implement operational policies and procedures to ensure compliance...  ..., such as Microsoft Office Suite.Preferred Qualifications... 
    Policy
    Full time
    Part time
    Work experience placement
    Work at office
    Shift work
    Day shift

    Truist

    Charlotte, NC
    4 days ago
  •  ...Engineer, Executive Director (Senior Lead Securities Quantitative...  ...Vasara is the next generation risk platform for the bank. It is an...  ...solid understanding of policies, procedures, and compliance requirementsCollaborate...  ...all applicable risk programs (Credit, Market, Financial Crimes,... 
    Policy
    Full time
    Temporary work
    Work experience placement

    Wells Fargo

    Charlotte, NC
    14 hours ago
  • $100k - $196k

    About this role:The Senior Credit Risk Specialist (P3) is an individual contributor on the Transaction Risk team responsible for the development...  ...effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance... 
    Policy
    Full time
    Work experience placement
    Remote work
    Relocation package
    1 day per week

    Wells Fargo

    Charlotte, NC
    1 day ago
  •  ...the following job description:JOB SUMMARYThe Operational Risk Effective Challenge Officer is a key contributor to Truist’s second line of defense Operational...  ...senior AU partners.6. Ability to independently interpret policy and apply judgment in ambiguous or nuanced effective... 
    Policy
    Permanent employment
    Full time
    Part time
    H1b
    Work at office
    Remote work
    Work visa
    Relocation package
    Shift work
    Night shift
    Day shift

    Truist

    Charlotte, NC
    1 day ago
  •  ...(Coverage/Plan exclusions) ~ Employer Provided Life Insurance Policy ~ Annual Health Incentive ~ Annual Wellness Reimbursement...  ...to installment loan security agreements. - Assists collection officer with delinquent account files for the financial institution.... 
    Policy

    First Federal Bank

    Charlotte, NC
    7 days ago
  •  ..., order all exhibits (i.e., VOE's, VOD's credit report, etc.), and follow up on submitted...  ...real estate documentation, underwriting policies, compliance, and procedures, preferred Life...  ..., whether you are in the field or in the office, allow you to make a major impact in the... 
    Policy
    Work at office

    NVR, Inc.

    Charlotte, NC
    4 hours ago
  •  ...work week. The role involves leading complex servicing activities,...  ...ensuring compliance with bank policies, procedures, and regulatory requirements...  ...Sales, Legal, Control and Risk, Technology, Operations, and...  ...servicing software and MS Office tools, especially MS Excel... 
    Policy
    Weekly pay
    Contract work

    Calculated Hire

    Charlotte, NC
    14 hours ago
  •  ...markets Position Overview The Loan Officer / Account Executive is responsible for...  ...strong understanding of private lending credit, collateral-based risk, and deal structuring. Key...  ...documentation standards, and company policies Coordinate with internal teams to ensure... 
    Policy
    Work at office
    Remote work

    RBI Private Lending LLC

    Charlotte, NC
    14 hours ago
  •  ...efficiently and accurately, including conducting credit investigations, preparing documents, and...  ...research as needed. Assist lending officers with the preparation of pre-funding...  ...items tracked include mortgages, title policies, UCC filings, lien cards, collateral insurance... 
    Policy
    Work at office
    Local area

    gpac

    Charlotte, NC
    2 days ago
  •  ...place orders and obtain case numbers Pull credit, order disclosures, appraisal, title,...  ...real estate documentation, underwriting policies, compliance, and procedures Familiarity with...  ...preferred Strong PC skill with experience in MS Office including Word, Excel, and Outlook are... 
    Policy
    Immediate start

    Private Job Board

    Charlotte, NC
    1 day ago
  •  ...defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to...  ...experience with Encompass**Who We Are:**TD is one of the world's leading global financial institutions and is the fifth largest bank in... 
    Policy
    Temporary work
    Self employment
    Local area
    Work from home
    Flexible hours

    TD Bank

    Charlotte, NC
    1 day ago
  • $77.4k - $86k

     ..., Inc. (Nasdaq: FIGR; OPEN: FGRS) is the leading blockchain-native capital marketplace for...  ...growing components are Figure Connect, its credit marketplace, and Democratized Prime,...  ...product knowledge, best practices, and company policies to ensure consistent, high-quality... 
    Policy
    Visa sponsorship
    Work visa

    Figure Lending

    Charlotte, NC
    18 days ago
  •  ...Truck North America. DTFS Dealer Credit provides floorplan inventory...  .../Owners and Chief Financial Officers, Field Sales Team, Credit...  ...financial statements Review wholesale inventory and book audits and...  ...lending or dealer finance Risk assessment or portfolio management... 
    For contractors
    Work at office
    Local area
    Remote work
    Relocation
    Relocation package

    Daimler Truck

    Charlotte, NC
    4 days ago
  •  ...Lead Cashier Experience a place of energy, passion, and excitement. A place where the...  ...for driving loyalty results, including credit, through a focus on performance (sales, guest...  ...and ensure compliance with Ulta Beauty's policies, procedures, and standards. Adhere to... 
    Policy
    Work experience placement
    Local area
    Flexible hours
    Shift work
    Afternoon shift

    Ulta Beauty

    Charlotte, NC
    2 days ago
  • $38.48 per hour

     ...perform collateral calculations, and escalate risks when appropriate. Support loan...  ...compliance with loan servicing standards, policies, and procedures. Collaborate effectively...  ...in commercial lending, loan servicing, credit operations, or collateral management.... 
    Policy
    Weekly pay
    Full time
    Contract work
    Temporary work
    Immediate start
    Monday to Friday

    Tailored Management

    Charlotte, NC
    3 days ago
  • $93.77k - $179.24k

     ...spouses consistent with applicable policy and business needs.The...  ...seeking a Mid-Level Real Estate Credit Risk Analyst to support the...  ...requires an individual to be in the office 4 days per week. This...  ...What you'll do:Applies industry leading practices and analytical skills... 
    Policy
    Full time
    H1b
    Work at office
    Remote work
    Home office
    Relocation package
    Flexible hours

    USAA - United Services Automobile Association

    Charlotte, NC
    4 days ago
  •  ...Please review the following job description: The Operational Risk Management Programs Risk Officer I is a subject matter expert responsible for the...  ...risk at Truist. Implement the ORM Program(s), including policy, procedures, systems, training, monitoring, and validation... 
    Policy
    Full time
    Part time
    Work at office
    Shift work
    Day shift

    NAACPJobFinder

    Charlotte, NC
    3 days ago
  • $107.12k - $160.68k

     ...growth.The Pricing Exception and Controls Lead Analyst is a senior level position responsible...  ...the business planAppropriately assess risk when business decisions are made, demonstrating...  ...laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding... 
    Policy
    Full time

    Citigroup

    Charlotte, NC
    14 hours ago
  • JOB SUMMARY The Credit Risk Data Analyst is responsible for being an analytical leader in organizing...  ...data as appropriate to ensure accuracy. Lead resolution to external and internal audit...  ...applicable to our industry. It is the policy of Seacoast Bank that all Associates will... 
    Policy

    Seacoast Bank

    Charlotte, NC
    1 day ago
  •  ...This position supports critical policy and procedures as well as federal...  ...review system, and other critical risk management activities needed to minimize credit, documentation, and operational risks...  .... ~ Proficient in Microsoft Office products. Preferred:... 
    Policy
    Work at office
    Local area
    Flexible hours

    HomeTrust Bank

    Charlotte, NC
    2 days ago

Do you want to receive more vacancies?

Subscribe and receive similar vacancies to Lead Credit Risk Officer (Wholesale Credit Policy). Be the first to apply!