LEAD CREDIT RISK & APPROVAL OFFICER

About this role:

Wells Fargo is seeking a Lead Credit Risk & Approval Officer to manage lending activities for a Wealth Management region and/or product. The WIM Credit Officer will collaborate with Custom Credit Bankers, lending support teams, WIM leaders and senior members of the WIM Credit team to review and decision loan requests above the front-line approval authority. Learn more about the career areas and lines of business at wellsfargojobs.com .

In this role, you will:

• Work in collaboration with regional leadership to effectively and prudently grow the loan portfolio
• Review , challeng e and approv e loans in excess of front line credit officer authority levels
• Ensur e conformity with bank policies, risk appetite and procedures
• Develop guidance, advising and partnering with key Business stakeholders on sound credit risk practices
• Monitor delinquency, loss and risk rating accuracy across all assigned regions and/or products
• Analyze Portfolio Performance and Trends
• Assist relationship managers and local credit teams with structuring, pricing and documentation of larger or more complex commercial loan transactions
• Monitor and review loan underwriting and portfolio management for senior management/regulatory agency review
• Provide subject matter expertise on 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
• Provide in-depth evaluation of multiple factors including structuring, 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

Preferred Locations:

• Charlotte, NC; Minneapolis, MN; Phoenix, AZ; West Des Moines, IA; Dallas, TX; St. Louis, MO.
• Other locations within the Wells Fargo footprint may be considered for current Wells Fargo employees.
• Relocation assistance is not available for this position.

#CreditRiskJobs

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:

• Excellent verbal, written, and interpersonal communication skills
• Strong organizational, multi-tasking, and prioritizing skills
• Ability to quickly establish credibility to build and maintain effective working relationships
• Strong analytical skills
• Deep and proven credit decision making skills
• Broad analytical experience across products, client profile and structures
• Demonstrate ability to navigate difficult and complex risk conversations and situations
• Experience in one or more of the following areas: Wealth Management Credit CRE (Commercial Real Estate); Securities Lending / Margin Loans; Alternative assets/investment lending; Ultra- High Net Worth (UHNW)/ private bank credit; or Specialty legal lending

Job Expectations:

• Up to 10% travel

We Value Diversity

At Wells Fargo, we believe in diversity, equity and inclusion in the workplace; accordingly, we welcome applications for employment from all qualified candidates, regardless of race, color, gender, national origin, religion, age, sexual orientation, gender identity, gender expression, genetic information, individuals with disabilities, pregnancy, marital status, status as a protected veteran or any other status protected by applicable law.

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.

Candidates applying to job openings posted in US: All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

Candidates applying to job openings posted in Canada: Applications for employment are encouraged from all qualified candidates, including women, persons with disabilities, aboriginal peoples and visible minorities. Accommodation for applicants with disabilities is available upon request in connection with the recruitment process.