Senior Lead Credit Risk & Approval Officer - Commercial Banking

Wells Fargo is seeking a Senior Lead Credit & Approval Officer on our second line of defense Independent Risk Management team. This team covers jobs that monitor and manage the credit exposure within Commercial Banking and Corporate & Investment Banking portfolios and transactions, approve loans in excess of line authority levels, continually review counter party creditworthiness, and develop credit exposure methodologies in conjunction with risk analytic systems that are aligned with Board-approved risk appetite.

About this role:

Work in collaboration with regional leadership to effectively and prudently grow the loan portfolio

Review, challenge and approve loans in excess of front-line credit officer authority levels

Ensure conformity with bank policies, risk appetite and procedures

Develop guidance, advising and partnering with key Business stakeholders on sound credit risk practices

Monitor delinquency, loss and risk rating accuracy across all assigned regions and/or products

Analyze Portfolio Performance and Trends Assist relationship managers and local credit teams with structuring, pricing and documentation of larger or more complex commercial loan transactions

Monitor and review loan underwriting and portfolio management for senior management/regulatory agency review

Advise more experienced leadership to provide support, oversight, and guidance in surveilling the portfolio for highly complex business and technical needs across groups

Lead the strategy and resolution of highly complex loan transactions and unique challenges

Deliver solutions that require vision, creativity, innovation, advanced analytical and inductive thinking

Coordinate and establish criteria to safeguard and support credit risk-based limits based on position, size, and margin requirements

Provide vision, direction, and expertise to more experienced leadership on implementing innovative and significant business solutions that are large-scale, cross-functional, or company wide strategies

Collaborate and consult with peers, colleagues, and managers to resolve issues and achieve goals

Serve as an experienced advisor to leadership to resolve issues and achieve goals

Interact with internal and external customers

In this role, you will:

Advise more experienced leadership to provide support, oversight, and guidance in surveilling the portfolio for highly complex business and technical needs across groups

Lead the strategy and resolution of highly complex loan transactions and unique challenges

Deliver solutions that require vision, creativity, innovation, advanced analytical and inductive thinking

Coordinate and establish criteria to safeguard and support credit risk-based limits based on position, size, and margin requirements

Provide vision, direction, and expertise to more experienced leadership on implementing innovative and significant business solutions that are large-scale, cross-functional, or company wide strategies

Collaborate and consult with peers, colleagues, and managers company wide

Serve as an experienced advisor to leadership to resolve issues and achieve goals

Interact with internal and external customers

Required Qualifications:

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

Desired

Qualifications:

Experience in one or more of the following areas:

Wealth Management Credit Alternative assets/investment lending

Experience assisting credit teams with structuring, pricing and documentation of larger or more complex commercial loan transactions

Experience analyzing and approving complex assets and transactions

Private banking experience with ultra-high net worth

Deep and proven credit decision-making skills

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