Lead Credit Risk Officer

About this role: 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.