Wells Fargo

Lead Credit Risk Officer

Wells Fargo$139K — $239K *
Tempe, AZ 85281In-Person
Finance & Insurance
5 - 7 years of experience
Job Overview by Ladders

Qualifications

  • 5+ years of Credit Risk experience, or equivalent work experience, training, or education.
  • Experience in consumer credit risk strategy development and monitoring in the financial services industry.
  • Experience reviewing or underwriting consumer credits in originations or loss mitigation.
  • Strong verbal and written communication skills.
  • Advanced skills in MS Office Suite, including Excel and PowerPoint.
  • Ability to analyze and present analytical findings effectively.
  • Skill in prioritizing work and meeting deadlines in a dynamic environment.

Responsibilities

  • Lead complex initiatives that impact the company's credit risk culture and performance.
  • Review and analyze strategies and policies affecting credit risk.
  • Develop analytical capabilities for commercial exam teams.
  • Exercise independent judgment in understanding policies and compliance requirements.
  • Collaborate with peers to resolve issues and achieve goals.
  • Interact with internal and external customers regarding risk management.
  • Consult with Audit, Legal, and regulatory agencies on risk topics.

Benefits

  • 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
Full Job Description

About this role:

Wells Fargo is seeking a Lead Credit Risk Officer. As a part of Wells Fargo's second line of defense and Independent Risk Management team, Risk Asset Review (RAR) is the independent credit review (oversight) function for Wells Fargo.   RAR is responsible for independently assessing the quality of lending and ongoing management of credit risk within the Bank, including adherence to risk appetite, credit policy and regulations. 


In this role, you will:

  • Lead complex initiatives including those that are cross-functional with broad impact and act as key participant in driving the company credit culture, desire, and business performance for Credit Risk

  • Review and analyze complex strategies, programs and policies with a direct and significant impact on credit risk appetite and culture

  • Receive direction from leaders

  • Develop and utilize analysis capabilities to assist the commercial exam teams with examinations

  • 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

  • Collaborate with business for oversight of risk management

  • Interact with Audit, Legal, external agencies, and regulatory bodies on risk related topics


Required Qualifications:

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


Desired Qualifications:

  • Previous experience with consumer credit risk strategy development and monitoring in financial service industry

  • Previous experience with reviewing or underwriting consumer credits either in originations or loss mitigation

  • Strong verbal and written communication skills, and advanced MS Office Suite product skills to include (MS Excel, MS PowerPoint, MS Outlook, MS Word)

  • Ability to gather, analyze, package, and present analytical findings in an insightful and logical manner

  • Collaborate and consult with peers, colleagues, and managers to resolve issues and achieve goals

  • Ability to prioritize work, meet deadlines, and achieve goals in a dynamic environment

  • 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 currently offers a hybrid schedule

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.

$139,000.00 - $239,000.00

Benefits

Wells Fargo provides eligible employees with a comprehensive set of benefits, many of which are listed below. Visit  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:

19 Aug 2026

*Job posting may come down early due to volume of applicants.

About Wells Fargo

Wells Fargo Careers

Joining Wells Fargo means becoming part of a distinguished financial institution that has been a cornerstone of innovation and leadership in the banking industry. At Wells Fargo, we offer a plethora of job opportunities designed to empower your career growth and development in a diverse and inclusive environment.

Work You’ll Do

At Wells Fargo, you will be part of a team that values diversity and is committed to fostering an inclusive culture. We are looking for professionals who are eager to drive innovation and lead with integrity. Our employees are our greatest asset, and we invest in their professional growth through comprehensive leadership and diversity training programs that are recognized industry-wide.

Explore a Multitude of Career Paths

Whether you're interested in a position in finance, IT, customer service, or management, Wells Fargo has career opportunities in various fields. Our team members benefit from job stability, competitive benefits, and a culture that values and rewards performance and dedication.

Internship Programs

Kickstart your career with a Wells Fargo internship. Our programs provide invaluable industry exposure, professional skills development, and networking opportunities that often lead to full-time employment offers. Interns at Wells Fargo work on real projects, solve actual challenges, and gain the mentorship of seasoned professionals.

Professional Growth and Development

We believe in nurturing the potential of our employees. Wells Fargo offers robust training programs and resources to help every team member excel in their current roles and prepare for future challenges. Growth at Wells Fargo is not just about climbing the career ladder but expanding your skills and expertise to add value to our team and customers.

Benefits and Rewards

Wells Fargo is committed to the well-being of our team members. We offer a comprehensive benefits package that includes health care, retirement plans, and generous paid time off. Additionally, we provide unique perks like employee discounts, adoption assistance, and tuition reimbursement.

Join Our Team

Discover the opportunities waiting for you at Wells Fargo by exploring open positions that match your skills and interests. We are continuously hiring and looking for individuals who bring creativity, passion, and a drive to serve our customers.

Stay Connected

Keep up to date with the latest from Wells Fargo Careers by subscribing to our job alert emails. Tailor your subscription to receive updates that align with your career preferences and get insider tips on crafting the perfect resume and acing your interview.

Networking and Innovation

At Wells Fargo, networking and innovation go hand in hand. We encourage our employees to connect across departments and roles to foster new ideas and strategies that lead to groundbreaking solutions.

Empower Your Career

Step into a role at Wells Fargo where your skills will be honed, your achievements recognized, and your career can flourish. We're not just filling positions; we're building leaders who are equipped to navigate the complexities of the financial world. Join Wells Fargo today and be part of a team that’s redefining the future of banking.
Learn more about Wells Fargo
Size
246,577 employees
Market Cap
$155.2 billion
Industry
Net Income
$3.3 billion
Founded
1852
5 Year Trend
-5.9%
NASDAQ

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