Job Description

**About this role:** Wells Fargo is seeking a Principal Examiner - Senior Risk Asset Review Specialist in Credit Risk as part of Corporate Risk. Learn more about the career areas and lines of business at wellsfargojobs.com ( . Credit Risk, which independently oversees the management of credit risk exposures (including monitoring and reporting on aggregate credit exposures across groups, legal entities, geographies, and jurisdictions) and the quality of credit risk management practices across the company. This oversight extends to all phases of a loan's life cycle, including origination, underwriting, risk analysis, approval, documentation, monitoring, loss recognition, modification, and collection activities. Credit Risk develops, maintains, and ensures adherence to companywide credit risk frameworks, policies, and procedures that are aligned with Board-approved risk appetite. Risk Asset Review ("RAR") is the company's internal loan review function and is foundational to the credit risk management function at Wells Fargo. RAR independently evaluates the quality of lending practices in the businesses and shares its findings with the Chief Credit Officer and line of business management. RAR reports all significant credit issues to members of the Allowance Approach and Allowance Approval Committees, Executive Management, and the Credit Committee of the Board of Directors. **In this role, you will:** + Lead or participate in moderately complex initiatives and deliverables within Risk Asset Review Examination. + Contribute, initiate, and recommend changes to the group's exam policies and standards. + Assess the lending practices of the company's commercial loans and securities investments. + At times, serve as examiner-in-charge and direct a team of examiners that examines the company's commercial lending businesses. + Ability to perform duties as an examiner-in-charge for complex lines of business, including large corporate, asset-based lending, and capital markets. + Interact with line of business senior management of complex lines of business. Ability to communicate and influence RAR's examination findings to line of business senior management. + Advise RAR management on ways to improve the examination process. + Serve as a resource on RAR's examinations of Wells Fargo's commercial lending businesses. + Evaluate credit administration practices, focuses on significant issues, and demonstrates sound credit judgment. + Receive direction from leaders and exercise independent judgment while developing the knowledge to understand function, policies, procedures, and compliance requirements. + Collaborate and consult with peers, colleagues, and managers to resolve issues and achieve goals. **Required Qualifications:** + 4+ years of Risk Asset Review experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education. **Desired Qualifications:** + 4+ years recent experience working for a large U.S. bank or large regional U.S. bank in the role as an underwriter, portfolio manager, and/or relationship manager. + Exposure to large complex credits, including syndicated deals, leveraged loans, securities transactions, and asset-based lending facilities. + Good understanding of commercial real estate across various sectors. + Strong commercial credit analysis skills with high attention to detail and accuracy. Ability to perform quantitative and qualitative analysis, and to document conclusions in an articulate and succinct manner. + Ability to review and interpret complex financial statements, commercial loan structures, and loan documentation. + Knowledge and proficiency in risk rating commercial credits. + Experience in exercising independent judgment while developing the knowledge to understand function, policies, procedures, and compliance requirements in a variety of industries. + Experience in interacting with Audit, Legal, external agencies, and regulatory bodies on risk-related topics. + Good communication skills with the ability to communicate issues, risks, and proposed solutions effectively and succinctly, in both written and verbal formats, with senior leaders. + Excellent verbal, written, and interpersonal communication skills. + A BS/BA degree or higher in accounting, finance, or economics. + Ability to work and influence successfully within a matrix environment and build effective business partnerships with all levels of team members. + Ability to execute in a fast paced, high demand, environment while balancing multiple priorities. + Ability to provide credible challenge and candor to peers. **Job Expectations:** + Ability to work at one of the approved locations in the job posting. + This position is not eligible for visa sponsorship. + This position offers a hybrid schedule. **Locations:** + 401 South Tryon Street - Charlotte, North Carolina + 250 East John Carpenter Freeway - Irving, Texas + 2700 South Price Road - Chandler, Arizona + 600 South 4th Street - Minneapolis, Minnesota + 800 South Jordan Creek Parkway - West Des Moines, Iowa + 114 North Beaumont Street - D Bldg, Saint Louis, Missouri **U.S. Only - Pay Range:** Minneapolis - Minnesota: $96,600.00 - $171,800.00 USD annual **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. $96,600.00 - $171,800.00 **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:** 3 May 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-455658

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