Wells Fargo

Senior Lead Credit Risk & Approval Officer - Commercial Banking

Wells Fargo • $215K — $355K *
Saint Louis, MO 63129In-Person
Finance & Insurance
5 - 7 years of experience
Today
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Job Overview by Ladders

Qualifications

  • 7+ years of Credit Risk & Approval experience or equivalent training or education required.
  • Expertise in complex credit decision-making and portfolio analysis.
  • Experience with Wealth Management Credit and alternative investment lending preferred.
  • Demonstrated ability to structure complex commercial loan transactions.
  • Strong verbal, written, and interpersonal communication skills needed.
  • Excellent organizational and multi-tasking abilities essential.
  • Ability to build and maintain effective working relationships quickly.

Responsibilities

  • Collaborate closely with regional leadership to enhance loan portfolio growth.
  • Review and approve loans exceeding front-line credit authority levels.
  • Develop and provide guidance on credit risk practices to business stakeholders.
  • Analyze and monitor portfolio performance and risk ratings across regions and products.
  • Assist credit teams in structuring and pricing complex loan transactions.
  • Lead strategies for resolving unique and complex loan challenges.
  • Deliver innovative, analytical solutions to enhance credit decision-making.

Benefits

  • Comprehensive health benefits for eligible employees.
  • 401(k) retirement plan with company match.
  • Generous paid time off policy.
  • Disability, life, and critical illness insurance options.
  • Parental leave for new parents.
  • Critical caregiving leave for family support.
  • Tuition reimbursement for continuing education.
  • Scholarships available for dependent children.
  • Adoption reimbursement to support employee families.
  • Discounts and savings programs to enhance personal finances.
  • Commuter benefits to assist with transportation expenses.
Full Job Description
About this role:
  • Work in collaboration with regional leadership to effectively and prudently grow the loan portfolio
  • Review, challenge and approve loans in excess of front-line credit officer authority levels
  • Ensure 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
  • 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 to resolve issues and achieve goals
  • Serve as an experienced advisor to leadership to resolve issues and achieve goals
  • Interact with internal and external customers


In this role, you will:
  • 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 & Approval experience or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education


Desired Qualifications:
  • Experience in one or more of the following areas:
    • Wealth Management Credit
    • Alternative assets/investment lending
  • Experience assisting credit teams with structuring, pricing and documentation of larger or more complex commercial loan transactions
  • Experience analyzing and approving complex assets and transactions
  • Private banking experience with ultra-high net worth
  • Deep and proven credit decision-making skills
  • Broad analytical experience across products, client profiles and structures
  • Ability to provide leadership during challenging risk discussions
  • Excellent verbal, written, and interpersonal communication skills
  • Strong analytical skills
  • Strong organizational, multi-tasking, and prioritizing skills
  • Ability to quickly establish credibility to build and maintain effective working relationships


Job Expectations:
  • This position is subject to FINRA background screening requirements. Candidates must successfully complete and pass a background check prior to hire. In accordance with FINRA rules, individuals who are subject to statutory disqualification are not eligible to be associated with a FINRA-registered broker-dealer. Successful candidates must also meet and comply with ongoing regulatory obligations, which include periodic screening and mandatory reporting of certain incidents.


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.
$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:

10 Sep 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
Finance & Insurance
Net Income
$3.3 billion
Founded
1852
5 Year Trend
-5.9%
NASDAQ
WFC
* Ladders Estimates

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