Senior Lead Credit Risk Officer – Wholesale Credit Policy

Senior Lead Credit Risk Officer overseeing wholesale credit policy and risk governance at Wells Fargo. Engage with stakeholders to ensure compliance and consensus in credit risk management practices.

Posted 7/31/2026full-timeCharlotte • Minnesota, North Carolina, Texas • 🇺🇸 United StatesSenior💰 $185,000 - $300,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates extensive expertise in Credit Risk Governance, Policy Development, and Compliance within a regulated financial institution, with a strong ability to communicate complex concepts and influence senior stakeholders effectively.

Highest-signal resume keywords

Credit Risk ExperienceCredit Policy DevelopmentCommercial Real Estate ExperienceDelegated Credit Approval AuthoritySenior Leadership Experience

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit Risk GovernancePolicy ManagementCredit Policy DevelopmentRisk AssessmentAnalytical ThinkingCredit Transactions ApprovalSurveillance ProgramsAsset Quality MonitoringRegulatory ComplianceContent Creation

Soft Skills

Influencing StakeholdersBuilding ConsensusClear CommunicationLeadershipCollaboration

Industry Keywords

Wholesale Credit PoliciesFinancial InstitutionRisk ManagementRegulatory BodiesAudit InteractionCredit ProfessionalsCredit Policy InquiriesCross-Functional InitiativesRisk AppetiteLegacy Content Management

About the role

Key responsibilities & impact

Supporting line of business credit risk governance
Complying with the Policy Management Policy
Ensuring a consistent credit risk profile
Ensuring credit professionals can easily understand and follow the requirements
Ensuring 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, that align with regulatory expectations, appropriately represent the bank's risk appetite, are clearly understood by all stakeholders, and adhere 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 to implement new framework.
Ensure proper Line of Business implementation of, and adherence to, wholesale credit policies.
Ensure proactive management of existing credit policies, procedures, and supporting documents
Address needed Risk Governance edits within policies
Adherence to the Policy Management Policy standards
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.
Deliver solutions that are long-term, large-scale and require vision, creativity, innovation, advanced analytical and inductive thinking, and coordination of highly complex activities and guidance to others
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
Provide vision, direction and expertise to senior leadership on implementing innovative and significant business solutions
Collaborate with peers, colleagues and managers for oversight of risk management
Interact with Audit, Legal, external agencies, and regulatory bodies on risk related topics

Requirements

What you’ll need

7+ years of Credit Risk experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
Commercial Real Estate 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.
3+ years of 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