Senior Lead Credit Risk & Approval Officer

About This Role

Wells Fargo is seeking a Senior Lead Credit Risk & Approval Officer to serve on the Independent Risk Management team providing credit risk oversight for the Healthcare and Sponsor-owned relationships within Commercial Banking Specialized Industries.

In This Role, You Will

• Serve as a key member of the team providing oversight and management of credit risk for CB Specialized Industries, working to support the objectives and goals of CB while maintaining prudent credit underwriting standards and sound overall portfolio quality.
• Maintain appropriate credit quality and portfolio health by providing informed and thoughtful credit risk guidance, recommendations, and approvals, engaging in regular portfolio evaluation and deteriorating/problem credit review and by escalating matters when appropriate.
• Develop and maintain a solid understanding of bank credit policy, regulatory standards and guidance, and risk rating applicability; provide leadership and guidance on these matters to CB teams and partners.
• Develop and maintain appropriate industry and sector knowledge.
• Engage product and subject matter experts and other institutional resources as needed to make informed decisions and recommendations.
• Review pipeline activity regularly and assist in the management of deadline awareness and coverage team and client expectations.
• Be willing to join a reasonable level of direct client and prospect engagement.
• Provide thoughtful leadership and guidance to teams about necessary due diligence and analytical focus, particularly in merger and acquisition financing situations and on complex healthcare and sponsor deals.
• Advise more experienced leadership to provide support, oversight, and guidance in surveilling the portfolio for highly complex business and technical needs across groups
• Lead the strategy and resolution of highly complex loan transactions and unique challenges
• Deliver solutions that require vision, creativity, innovation, advanced analytical and inductive thinking
• Coordinate and establish criteria to safeguard and support credit risk based limits based on position, size, and margin requirements
• Provide vision, direction, and expertise to more experienced leadership on implementing innovative and significant business solutions that are large-scale, cross-functional, or companywide strategies
• Collaborate and consult with peers, colleagues, and managers companywide
• Serve as an experienced advisor to leadership to resolve issues and achieve goals
• Interact with internal and external customers
  
  

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:

• 7 years of Credit Risk & Approval experience includes credit underwriting and credit approval experience.
• Healthcare industry and/or financial sponsor lending experience.
• 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.
• Strong credit analysis skills.
• Solid understanding of Wells Fargo's credit culture and approach to risk management.
• Strong organizational, interpersonal, and communication skills.
• Experience with complex organizational and capital structures.
• Solid understanding of capital markets.
• Ability to effectively partner and influence at the executive level.
  
  

Job Expectations:

• 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
  
  

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.

Salary is just one component of Wells Fargo's total rewards package. Depending on the role, a Wells Fargo's employee may be eligible for additional forms of compensation, such as sales incentives, discretionary bonuses, and/or equity in the company in the form of Restricted Stock Units (RSUs).

$215,000.00 - $355,000.00

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:

13 May 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, 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

• Third-Party recordings are prohibited unless authorized by Wells Fargo.
• Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.
  
  

Reference Number

R-536085-4