Principal Credit Risk and Approval Officer - Corporate and Investment Banking Risk

Principal Credit Risk & Approval Officer

Wells Fargo is seeking a Principal Credit Risk & Approval Officer to serve as Credit Officer providing credit risk oversight for the Project Finance Portfolio within the Energy division of Corporate & Investment Banking (CIB). CIB Banking provides integrated financial solutions to corporate, investment grade, non-investment grade, public and private customers.

Responsibilities for this role include independent credit risk oversight, approval, and portfolio management of complex project finance transactions, with a focus on energy and infrastructure. The role covers large-scale infrastructure and power generation projects across the energy value chain as well as other industry segments including but not limited to renewables (solar, wind, storage), conventional thermal power generation (gas-fired, peaking, combined cycle), midstream (LNG, transportation and storage) and non-energy (data centers, other infrastructure). This position will play a key role in shaping risk strategy, transaction structuring, and portfolio composition, with direct influence on deal terms, risk allocation, and underwriting approach.

The candidate will be an active and influential participant in the credit process, providing a holistic risk assessment in close partnership with deal teams and portfolio management. The role requires the ability to independently decision complex transactions, balance risk and return, operate with urgency, and engage effectively with senior risk and business leaders.

In this role, you will:

• Serve as a key member of the team providing oversight and management of credit risk for CIB Banking, working to support the objectives and goals of CIB Banking while maintaining prudent credit underwriting standards and sound overall portfolio quality.
• Maintain appropriate credit quality and portfolio health by providing informed and thoughtful credit risk guidance, recommendations, and approvals, engaging in regular portfolio evaluation and deteriorating/problem credit review and by escalating matters when appropriate.
• Develop and maintain a solid understanding of bank credit policy, regulatory standards and guidance, and risk rating applicability; provide leadership and guidance on these matters to CIB Banking teams and partners.
• Develop and maintain appropriate industry and sector knowledge.
• Engage product and subject matter experts and other institutional resources as needed to make informed decisions and recommendations.
• Review pipeline activity regularly with CIB Banking teams and assist in the management of deadline awareness and coverage team and client expectations.
• Provide thoughtful leadership and guidance to teams about necessary due diligence and analytical focus, particularly in merger and acquisition financing situations and on complex deals.
• Interact with internal and external customers.

Required Qualifications:

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

Desired Qualifications:

• Demonstrated experience approving and overseeing large, complex project finance transactions with substantial commitments and lead underwriter/arranger status.
• Deep knowledge of project finance structures, contracts, risk allocation, cash flow-based underwriting and regulatory matters.
• A BS/BA degree or higher in accounting, finance, or economics.
• Strong credit analysis skills.
• Extensive experience and knowledge within the energy industry across a broad range of segments and geographies.
• Ability to work and influence successfully within a matrix environment and build effective business partnerships with all levels of team members.
• Strong organizational, interpersonal, and communication skills. Ability to effectively partner and influence at the executive level.
• Experience with complex organizational and capital structures. Solid understanding of capital markets and acquisition finance.
• Solid understanding of Wells Fargo's credit culture and approach to risk management.
• Strong understanding of loan documentation, credit agreements, and security structure.

Posting Locations:

• 550 S. Tryon Street - Charlotte, North Carolina
• 500 E 42nd Street - New York, New York
• 1000 Louisiana Street - Houston, Texas

Job Expectations:

• Required location listed above. Relocation assistance is not available for this position.
• 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 demonstrated examples of prior performance, skills, experience, or work location. Employees may also be eligible for incentive opportunities.

$250,000.00 - $420,000.00

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:

25 May 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 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.