Principal Credit Risk & Approval Officer

About this role: Wells Fargo is seeking a Principal Credit Risk & Approval Officer that approves, monitors and manages the credit exposure within the Corporate & Investment Banking Commercial Real Estate ("CRE") portfolios with specific emphasis in unsecured corporate lending for real estate investment trusts (REITs) and other similar funds. Learn more about our career areas and business divisions at wellsfargojobs.com. In this role, you will: Partner with senior line of business and Credit Risk managers to develop appropriate business strategies and targets for the 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 discipline 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, problem loan management, including non-accrual and loss identification and forecasting. Assist the relationship and portfolio 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 internal and external regulatory audits. Reinforce Wells Fargo’s strong credit culture and strengthen team member engagement across the business and within the Credit Risk organization. Play an active role in knowing and supporting the customer by attending customer meetings. Develop an expertise in the markets covered by actively participating in internal and external groups to increase knowledge in covered sectors, including financing markets that are commonly accessed by clients. 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 complex loan transactions of large scale. Collaborate and consult with peers, colleagues and managers companywide. Develop and guide a culture of talent development to meet business objectives and strategy. 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: A BS/BA degree or higher in accounting, finance, or economics. Demonstrated experience approving or overseeing large, complex corporate lending facilities with substantial commitments and lead underwriter/arranger status. Proven knowledge of commercial real estate, capital markets and related industries with prior experience with REITs in either a front line or second line capacity. While not necessary, also having secured real estate lending is a plus. Experience with complex organizational and capital structures. Solid understanding of capital markets and acquisition finance. Strong credit analysis skills and consistent success in making sound business and credit decisions. Excellent organizational, interpersonal, and communication skills. Ability to effectively partner and influence at the executive level. Ability to work and influence successfully within a matrix environment and build effective business partnerships with all levels of team members. Solid understanding of Wells Fargo's credit culture and approach to risk management. Strong understanding of loan documentation, credit agreements, and security structure. Job Expectations: Required location listed below. Relocation assistance is not available for this position. This position is not eligible for VISA sponsorship Posting Locations: 550 S. Tryon Street - Charlotte, North Carolina 150 E 42nd St. – New York, NY 1445 Ross Ave - Dallas, TX 1700 K St. NW - Washington, DC 10 S. Wacker Drive – Chicago, IL 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: 2 Jul 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. Wells Fargo & Company (NYSE: WFC) is a leading financial services company that has approximately $2.1 trillion in assets. We provide a diversified set of banking, investment and mortgage products and services, as well as consumer and commercial finance, through our four reportable operating segments: Consumer Banking and Lending, Commercial Banking, Corporate and Investment Banking, and Wealth & Investment Management. Wells Fargo ranked No. 33 on Fortune’s 2025 rankings of America’s largest corporations. News, insights, and perspectives from Wells Fargo are also available at Wells Fargo Stories. Additional information may be found at: wellsfargo.com wellsfargojobs.com For questions on how to search and apply, visit frequently asked questions.