Lead Credit Risk Officer (Wholesale Credit Policy)

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 impactReview and analyze complex strategies, programs and policies with a direct and significant impact on credit risk appetiteEnsure policies align with regulatory expectations, risk appetite, and governance standardsServe as a trusted advisor and subject matter expert on credit risk topics as well as policy governanceExercise independent judgment while developing the knowledge to understand function, policies, procedures, and compliance requirements of supported businessesCollaborate and consult with peers, colleagues and managers to resolve issues and achieve goalsInteract with internal and external customersCollaborate with business for oversight of risk managementInteract with Audit, Legal, and compliance on risk related topicsRequired Qualifications:5+ years of Credit Risk experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, educationDesired Qualifications:Broad wholesale credit experience within a large, regulated financial institution.Solid understanding of Wholesale Credit UnderwritingStrong policy-writing capabilitiesCurrent 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 initiativesJob Expectations:This position does not offer sponsorshipPay RangeReflected 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 - $239,000.00Benefits 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 benefits401(k) PlanPaid time offDisability benefitsLife insurance, critical illness insurance, and accident insuranceParental leaveCritical caregiving leaveDiscounts and savingsCommuter benefitsTuition reimbursementScholarships for dependent childrenAdoption reimbursementPosting End Date:15 Sep 2026*Job posting may come down early due to volume of applicants.We Value Equal OpportunityWells 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 DisabilitiesTo request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo.Drug and Alcohol PolicyWells 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.SummaryLocation: CHARLOTTE, NC; IRVING, TX; CHANDLER, AZ; MINNEAPOLIS, MNType: Full time