Job Description
About this role:
Wells Fargo is seeking a Lead Credit Risk & Approval Officer. This role is responsible for credit approvals in the Middle Market and Investor Real Estate businesses within the Commercial Banking organization. The Lead Credit Risk & Approval Officer will directly approve credits and review loan underwriting and portfolio performance for senior management. This officer will engage in periodic reviews and audits. This role will establish safeguards and support credit risk based limits and implement monitoring of the adherence to such risk based limits. This role will report directly to the MMB Senior Credit Officer.
In this role, you will:
Approve credit within delegated credit authority.
Recommend credit for approval in excess of their authority.
Ensure appropriate underwriting and surveillance of all credit products within the portfolio.
Understand credit themes and trends in the portfolio and pipeline, along with the impact of those themes and trends.
Identify and escalate credit risk and control issues to senior risk management with transparency, in a timely manner and in accordance with Company policies and procedures.
Implement the Risk Management Framework through promoting adoption of the Risk Operating Model, setting clear behavioral expectations for risk management, ensuring clearly defined roles and accountability, and promoting a sound control environment.
Oversee and actively manage credit risk and adherence to credit policy within the risk appetite approved by the Executive Operating Committee, and the Board.
Regularly present to senior management in Middle Market Banking, Risk and internal and external shareholders.
Promote a strong risk management culture and discipline throughout the relevant business segments.
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:
Prior Middle Market, Asset Based Lending & Leasing or Corporate Banking Credit Risk and Approval experience.
Prior Investor Real Estate underwriting and approval experience.
Excellent verbal, written, and interpersonal communication skills.
Strong attention to detail and accuracy skills.
Ability to prioritize work, meet deadlines, achieve goals, work under pressure in a dynamic and complex environment and to lead projects/initiatives with high risk and complexity.
Experience supporting senior level leaders/executives.
Ability to manage initiatives including detailed planning, process management, and documentation.
Ability to work effectively in a team environment and across all organizational levels, where flexibility, collaboration, and adaptability are important.
Advanced Microsoft Office (Outlook, Excel, Word, PowerPoint, LiveMeeting and SharePoint) skills.
Posting Locations:
1150 W. Washington - Tempe, Arizona
333 S Grand Ave - Los Angeles, California
2030 Main St - Irvine, California
Job Expectations:
Ability to work at one of the locations in this job posting. This position does not offer relocation assistance.
This position currently offers a hybrid work schedule, requiring four in office days per week.
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.
Pay Range
Reflected is the base pay range offered for this position. Pay may vary depending on factors including but not limited to demonstrated examples of prior performance, skills, experience, or work location. Employees may also be eligible for incentive opportunities.
$185,000.00 - $300,000.00
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:
21 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, ****** 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 ******* Policy
Wells Fargo maintains a drug free workplace. Please see our Drug and ******* 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.
Wells Fargo is seeking a Lead Credit Risk & Approval Officer. This role is responsible for credit approvals in the Middle Market and Investor Real Estate businesses within the Commercial Banking organization. The Lead Credit Risk & Approval Officer will directly approve credits and review loan underwriting and portfolio performance for senior management. This officer will engage in periodic reviews and audits. This role will establish safeguards and support credit risk based limits and implement monitoring of the adherence to such risk based limits. This role will report directly to the MMB Senior Credit Officer.
In this role, you will:
Approve credit within delegated credit authority.
Recommend credit for approval in excess of their authority.
Ensure appropriate underwriting and surveillance of all credit products within the portfolio.
Understand credit themes and trends in the portfolio and pipeline, along with the impact of those themes and trends.
Identify and escalate credit risk and control issues to senior risk management with transparency, in a timely manner and in accordance with Company policies and procedures.
Implement the Risk Management Framework through promoting adoption of the Risk Operating Model, setting clear behavioral expectations for risk management, ensuring clearly defined roles and accountability, and promoting a sound control environment.
Oversee and actively manage credit risk and adherence to credit policy within the risk appetite approved by the Executive Operating Committee, and the Board.
Regularly present to senior management in Middle Market Banking, Risk and internal and external shareholders.
Promote a strong risk management culture and discipline throughout the relevant business segments.
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:
Prior Middle Market, Asset Based Lending & Leasing or Corporate Banking Credit Risk and Approval experience.
Prior Investor Real Estate underwriting and approval experience.
Excellent verbal, written, and interpersonal communication skills.
Strong attention to detail and accuracy skills.
Ability to prioritize work, meet deadlines, achieve goals, work under pressure in a dynamic and complex environment and to lead projects/initiatives with high risk and complexity.
Experience supporting senior level leaders/executives.
Ability to manage initiatives including detailed planning, process management, and documentation.
Ability to work effectively in a team environment and across all organizational levels, where flexibility, collaboration, and adaptability are important.
Advanced Microsoft Office (Outlook, Excel, Word, PowerPoint, LiveMeeting and SharePoint) skills.
Posting Locations:
1150 W. Washington - Tempe, Arizona
333 S Grand Ave - Los Angeles, California
2030 Main St - Irvine, California
Job Expectations:
Ability to work at one of the locations in this job posting. This position does not offer relocation assistance.
This position currently offers a hybrid work schedule, requiring four in office days per week.
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.
Pay Range
Reflected is the base pay range offered for this position. Pay may vary depending on factors including but not limited to demonstrated examples of prior performance, skills, experience, or work location. Employees may also be eligible for incentive opportunities.
$185,000.00 - $300,000.00
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:
21 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, ****** 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 ******* Policy
Wells Fargo maintains a drug free workplace. Please see our Drug and ******* 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.
💡 Quick Summary
Seeking a career-building opportunity? The Lead Credit Risk & Approval Officer - Commercial Banking, Corporate Risk position is now open for candidates interested in the Bank Jobs sector. This role in Tempe offers a professional environment and growth potential.
Requirement Snapshot: Candidates should possess basic communication skills, a proactive attitude, and the ability to work in a team. Experience in Bank Jobs is a plus.
