Job Description

About this role: Wells Fargo is seeking a Lead Credit Risk Officer to join the Risk Rating Methodology (RRM) team in the Wholesale Credit Risk group in Corporate Risk. The RRM team manages the development and refinement of risk rating methodologies and grids for commercial credit exposures across Wells Fargo. RRM provides oversight of commercial business risk rating methodologies which includes analyzing risk rating data to provide recommendations on existing or new methodologies, approving business risk rating policies and processes, facilitating risk rating tool and application training, overseeing model controls and usage, and resolving risk rating issues and research activities. In this role, you will: Lead risk rating methodology development and refinement processes, providing challenge and documenting the rationale for recommendations including application of the tools (grids and guidance) to Wells Fargo model policies and standards. Manipulate and analyze data, preparing summary presentations of findings, and drawing conclusions to present recommendations to senior management. Construct business requirements for technology implementation of new or refined risk rating grids/guidance; testing technology changes; coordinating communication and rollout with impacted business users; and developing training materials. Evaluate risk rating grid/guidance usage and performance through data analysis, identifying issues that need to be addressed from data trends and taking ownership to address them. Provide thought leadership related to the enterprise risk rating policy and overall risk rating system. Serve as a subject matter expert in specific commercial businesses’ risk rating policies, methodologies, tools and procedures and be confident in providing challenge where appropriate. Ensuring consistency for assigned businesses relative to enterprise risk rating policies and practices. Lead significant risk rating initiatives and processes by partnering with multiple businesses and other downstream stakeholders. Lead cross-organizational project work which may include facilitation with several different business units across the bank to plan and execute on project deliverables. Identify, document and track activities related to risk rating tool and application issues/changes/enhancements and/or policy and methodology related items and managing to resolution. Build and maintain effective working relationships with all stakeholders. Facilitate, where appropriate, resolution of risk rating related recommendations and/or issues from credit review function, Internal Audit, and external regulatory agencies. Lead and manage at least one specific governance process or program as assigned, within the team. Analyze, recommend, and document business risk rating policy and procedure changes. Develop and present risk rating related topics to senior management and regulators. Required Qualifications: 5+ years of Credit Risk or Portfolio Management experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education Desired Qualifications: Commercial & Industrial (C&I) or Commercial Real Estate (CRE) experience Credit risk, commercial underwriting, commercial loan review, portfolio management or equivalent experience in financial services Ability to articulate issues, risks, and proposed solutions to various levels of staff and management Ability to communicate effectively, both verbally and in writing, with senior executive-level leaders Ability to facilitate and lead meetings to reach conclusions, identify tasks, record actions, and achieve results Ability to work and influence successfully within a matrix environment and build effective business partnerships with all levels of team members Ability to collaborate effectively with colleagues or work independently as needed Advanced Microsoft Office (Word, Excel, Outlook and PowerPoint) skills Ability to manipulate data from various sources and develop graphical presentations of quantitative information (e.g. Excel pivot tables, vlookup, and conditional formatting functions) Excellent verbal, written, and interpersonal communication skills Knowledge and understanding of financial industry-associated regulatory standards and agencies Strong analytical skills with high attention to detail and accuracy Ability to take initiative, identify opportunities and implement changes and solutions proactively Demonstrated ability to adapt and pivot in a rapidly changing environment Strong project management skills including the ability to handle multiple projects concurrently Experience managing and providing oversight of commercial credit policy – Enterprise and/or business Locations: 401 S Tryon Street, Charlotte, North Carolina 250 E. John Carpenter Frwy - Irving, Texas 600 S. 4th St - Minneapolis, Minnesota 1150 W Washington - Tempe, Arizona 800 S. Jordan Creek Pkwy - West Des Moines, Iowa Job Expectations: Ability to work at one of the approved locations in the job posting A hybrid work schedule is offered for this position Pay Range Reflected is the base pay range offered for this position. Pay may vary depending on factors including but not limited to achievements, skills, experience, or work location. The range listed is just one component of the compensation package offered to candidates. $111,100.00 - $197,500.00 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: 5 Jun 2025 ***** 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, disability, status as a protected veteran, or any other legally protected characteristic. Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit’s risk appetite and all risk and compliance program requirements. Applicants with Disabilities To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo ( . Drug and Alcohol Policy Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy ( to learn more. Wells Fargo Recruitment and Hiring Requirements: a. Third-Party recordings are prohibited unless authorized by Wells Fargo. b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process. Req Number: R-456006 Wells Fargo

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