Lead Credit Risk & Approval Officer - Commercial Banking, Corporate Risk

Wells Fargo•Charlotte, NC

fulltime

Finance and Sales

5+ years

About the role

About This Role Wells Fargo is seeking a Lead Credit Risk & Approval Officer to join its Independent Risk Management team as part of the bank’s second line of defense. This leader will oversee credit exposure across the Commercial Banking–Inventory Finance portfolio, approve transactions above delegated authority, provide independent challenge to underwriting and deal structure, and help develop credit exposure methodologies in partnership with risk analytics to ensure alignment with the Board‑approved risk appetite.

In This Role, You Will

Lead complex initiatives including those that are cross-functional with broad impact
Act as key participant in monitoring and reviewing group loans, underwriting, and portfolio management performance for Credit Risk & Approval
Review and analyze complex multi-faceted, larger scale, or longer-term business, operational, or technical challenges
Provide in-depth evaluation of multiple factors including structuring, pricing, and documentation
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
Interact with internal and external customers

Required Qualifications

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

Desired Qualifications

Bachelor’s degree or higher in Accounting, Finance, Economics, or a related discipline.
Demonstrated knowledge of Inventory Finance, including wholesale and floor plan lending programs.
Experience holding and applying Delegated Credit Approval Authority (DCAA).
Strong ability to analyze and interpret complex financial statements, structured commercial loan transactions, and associated loan documentation.
Proven capability to exercise independent judgment while navigating policies, procedures, compliance requirements, and varied industry practices.
Effective in influencing and building partnerships within a matrixed organization across all levels of leadership.
Ability to deliver credible challenges and provide candid, well‑supported perspectives to peers and partners.
Track record of executing effectively in a fast‑paced, high‑demand environment while managing multiple priorities.
Excellent written and verbal communication skills, with the ability to clearly convey issues, risks, and recommendations to senior leaders.

Posting Locations:

10 S. Wacker - Chicago, Illinois
5595 Trillium Blvd – Hoffman Estates, Illinois
401 S Tryon Street - Charlotte, North Carolina
401 Las Colinas Blvd W Bldg B - Irving, Texas

Job Expectations

Ability to work at one of the locations in this job posting.
This position offers a hybrid work schedule.
This position is not eligible for Visa sponsorship.
Specific compliance policies may apply regarding outside activities and/or personal investing; affected employees will be expected to provide information to the Wells Fargo Personal Account Dealing Team and abide by applicable policy requirements if hired. Information will be shared about expectations during the recruitment process.

Reference Number R-531450

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