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

Wells Fargo

. 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.

Posted 5/16/2026full-timeCharlotte • New York, North Carolina, Texas • 🇺🇸 United StatesLead💰 $250,000 - $420,000 per yearWebsite

About the role

Key responsibilities & impact

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.

Requirements

What you’ll need

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

Benefits

Comp & perks

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

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

credit risk managementcredit analysisproject financecash flow-based underwritingrisk allocationloan documentationcredit agreementssecurity structuremerger and acquisition financingcapital markets

Soft Skills

leadershipinterpersonal skillscommunication skillsorganizational skillsinfluencepartnership buildinganalytical focusdue diligencematrix environment collaborationexecutive level partnership