Lead Credit Risk Officer – Wholesale Credit Policy

Wells Fargo

Lead Credit Risk Officer managing adherence to wholesale credit policies at Wells Fargo. Responsible for governance and communication of credit risk standards among stakeholders.

Posted 7/21/2026full-timeCharlotte • Minnesota, North Carolina, Texas • 🇺🇸 United StatesSenior💰 $139,000 - $239,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates extensive experience in Credit Risk Governance, including policy development, compliance, and effective communication with senior stakeholders. Proven ability to lead cross-functional initiatives and influence consensus on complex credit topics.

Highest-signal resume keywords

Credit Risk ExperienceCredit Policy DevelopmentDelegated Credit Approval AuthorityStakeholder InfluenceManagement Experience

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit Risk GovernancePolicy ManagementAsset-Based LendingCredit Policy DevelopmentCredit Transaction ApprovalRisk AssessmentSurveillance Program ParticipationCredit Policy Exception ManagementContent CreationRegulatory Compliance

Soft Skills

Clear CommunicationConsensus BuildingInfluencing SkillsLeadershipProblem Solving

Industry Keywords

Wholesale Credit PoliciesFinancial InstitutionCredit ProfessionalsRisk AppetiteAsset Quality MonitoringPortfolio TrendsCredit Policy InquiriesCross-Functional InitiativesSenior Credit OfficersCredit Policy Publications

About the role

Key responsibilities & impact

Support line of business credit risk governance
Comply with the Policy Management Policy
Ensure a consistent credit risk profile
Ensure credit professionals can easily understand and follow the requirements
Ensure proper Line of Business implementation of, and adherence to, the wholesale credit policies
Lead Roundtables, and serve as a subject matter expert, on specific lending topics
Understand, and clearly communicate, complex wholesale credit concepts
Build consensus for final approach on the topic
Write credit policies, with minimal oversight, so that it aligns with regulatory expectations, appropriately represents the bank’s risk appetite, is clearly understood by all stakeholders (Credit Professionals and third-parties), adheres to the Policy Management Policy
Present policy topics to Group Senior Credit Officers (GSCOs) and Business-Aligned Chief Risk Officers to build consensus for WHSL Credit Policies.
Identify legacy content for appropriate disposition, and coordinate with legacy content owners so implement new framework.
Ensure proactive management of existing credit policies, procedures, and supporting documents
Address needed Risk Governance edits within policies
Identify improvement opportunities within policy, procedure, and surveillance.
Provide accurate and timely answers to credit policy inquiries, from Credit Professionals and other stakeholders
Participate in content creation of quarterly WHSL Credit Policy Publications
Provide perspective and feedback on various surveillance programs, such as the Credit Policy Exception (CPE) Program
Lead resolution of Issues and related corrective actions.
Monitor, assess and report on asset quality, portfolio trends and credit policy exception trends
Approve and provide credible challenge of line of business credit products, programs, and policies

Requirements

What you’ll need

5+ years of Credit Risk experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
Asset-based lending credit experience within a large, regulated financial institution.
Current 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.
Prior management or senior leadership experience, including leading teams or enterprise‑wide, cross‑functional initiatives.

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