Senior Lead Credit Risk Officer; Wholesale Credit Policy

Position: Senior Lead Credit Risk Officer (Wholesale Credit Policy)
About this role:

Wells Fargo is seeking a Senior Lead Credit Risk Officer to support the rationalization, development, and ongoing maintenance of Wholesale Credit Policy content for businesses. This role is responsible for strengthening credit risk governance across lines of business by ensuring content aligns with regulatory expectations, the bank's risk appetite, and Policy Management requirements. The successful candidate will serve as a subject matter expert on complex lending topics, lead cross-functional policy round tables, build stakeholder consensus, and develop clear, actionable credit policy content that can be easily understood and consistently applied by credit professionals and business partners.

This position requires expert communication, facilitating, influencing, and policy-writing skills, including the ability to present recommendations and gain alignment from Group Senior Credit Officers and business-aligned policy  this role, you will:

Lead complex initiatives including those that are cross-functional with broad impact

Write credit polices with minimal guidance to align with regulatory requirements, appropriately represent the bank’s risk appetite and adhere to Wholesale content and the Policy Management Policy Review and analyze complex strategies, programs and policies with a direct and significant impact on credit risk appetite

Ensure policies align with regulatory expectations, risk appetite, and governance standards

Serve as a trusted advisor and subject matter expert on credit risk topics as well as policy governance

Exercise independent judgment while developing the knowledge to understand function, policies, procedures, and compliance requirements across multiple lines of business/lending types

Collaborate and consult with peers, colleagues and managers to resolve issues and achieve goals.  Expert ability to communicate both orally and in writing to multiple constituents.

Interact with internal and external customers

Collaborate with business for oversight of risk management

Interact with Audit, Legal, Control, external agencies, regulatory bodies and Compliance on risk related intiatives

Lead round tables and serve as a subject matter expert on specific lending topics

Participate in content creation for Wholesale 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

Required Qualifications:

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

Desired

Qualifications:

Broad wholesale credit experience within a large, regulated financial institution.

Solid understanding of Wholesale Credit Underwriting Strong policy-writing capabilities

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 communication3+ years of prior management or senior leadership experience, including leading teams or enterprise wide, cross functional initiatives

Job Expectations:

This position does not offer sponsorship

Pay Range Reflected is the base pay range offered for this position. Pay may vary depending on factors including but not limited to demonstrated examples of prior performance, skills, experience, or work location. Employees may also be eligible for incentive opportunities.
$ - $Benefits Wells Fargo provides eligible employees with a comprehensive set of benefits, many of which are listed below. Visit Benefits - Wells Fargo Jobs for an overview of the following benefit plans and programs offered to employees.

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

Posting End Date:13 Oct 2026
* Job posting may come down early due to volume of applicants.

We Value Equal Opportunity Wells Fargo is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin,…