Senior Lead Business Credit Specialist- Lending High Net Worth

Position: Senior Lead Business Credit Specialist- Home Lending High Net Worth
About this role Wells Fargo is seeking a Senior Lead Credit Risk Officer (Senior Lead Business Credit Specialist) to provide strategic credit leadership and independent oversight of credit risk appetite, portfolio performance, credit policies, and business lending activities. In this highly visible role, you will advise senior leaders, evaluate complex credit strategies and transactions, and provide credible challenge that supports a disciplined credit culture and sound risk management.

This opportunity offers broad exposure across business and risk functions and the ability to influence significant credit decisions, policies, and long-term strategies. You will apply deep credit expertise and advanced analytical judgment to identify emerging risks, strengthen portfolio performance, and help ensure lending activities remain aligned with Wells Fargo’s risk appetite and strategic  this role, you will Advise senior leadership on the development and implementation of credit strategies, programs, and policies that have a direct and significant impact on credit risk appetite, portfolio performance, and business objectives

Lead the strategy and resolution of highly complex and unique credit challenges requiring in-depth evaluation across multiple business and risk areas

Translate complex credit and business needs into objectives, strategies, policies, decision frameworks, and long-term solutions that support a disciplined credit culture

Monitor and assess asset quality, portfolio performance, concentrations, emerging risks, and credit policy exception trends, and communicate actionable insights and recommendations to senior leadership

Approve credit transactions within delegated authority and participate in acquisition due diligence, including the evaluation of portfolio quality, credit risk, strategic alignment, and transaction considerations

Review, approve, and provide credible challenge to line-of-business credit products, programs, strategies, and policies to promote adherence to risk appetite and credit standards

Deliver large-scale solutions that require vision, innovation, advanced analytical judgment, and coordination of highly complex activities across multiple stakeholders

Provide vision, direction, and credit expertise to senior leadership in the development and implementation of significant business and risk management solutions

Strategically engage with business leaders, risk partners, Audit, Legal, and other stakeholders to resolve complex issues, influence decisions, and achieve shared goals

Provide guidance and mentorship to credit professionals and cross-functional teams responsible for executing credit strategies, reviews, and risk management activities

Required Qualifications 7+ years of Credit Risk experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education7+ years of Credit Risk in Home Loans High Net Worth experience5+ years of experience evaluating credit strategies, policies, programs, transactions, or portfolio performance within a financial services organization5+ years of experience identifying and assessing credit risk through portfolio analysis, asset-quality monitoring, risk appetite oversight, or credit policy review4+ years of experience advising senior leaders and presenting complex credit risk assessments, recommendations, or decisions to senior management3+ years of experience exercising credit approval authority or providing independent review and credible challenge of credit decisions, products, programs, or policies

Desired Qualifications Deep knowledge of commercial, consumer, or business credit principles, including underwriting, portfolio management, credit policy, risk…