Senior Lead Business Credit Specialist- Home Lending High Net Worth

Location: CHARLOTTE, NC

About this role

Wells Fargo is seeking a Senior Lead Credit Risk Officer (Senior Lead Business Credit Specialist) to provide strategic credit leadership and independent oversight of credit risk appetite, portfolio performance, credit policies, and business lending activities. In this highly visible role, you will advise senior leaders, evaluate complex credit strategies and transactions, and provide credible challenge that supports a disciplined credit culture and sound risk management.

This opportunity offers broad exposure across business and risk functions and the ability to influence significant credit decisions, policies, and long-term strategies. You will apply deep credit expertise and advanced analytical judgment to identify emerging risks, strengthen portfolio performance, and help ensure lending activities remain aligned with Wells Fargo’s risk appetite and strategic objectives.

In this role, you will

Advise senior leadership on the development and implementation of credit strategies, programs, and policies that have a direct and significant impact on credit risk appetite, portfolio performance, and business objectives

Lead the strategy and resolution of highly complex and unique credit challenges requiring in-depth evaluation across multiple business and risk areas

Translate complex credit and business needs into objectives, strategies, policies, decision frameworks, and long-term solutions that support a disciplined credit culture

Monitor and assess asset quality, portfolio performance, concentrations, emerging risks, and credit policy exception trends, and communicate actionable insights and recommendations to senior leadership

Approve credit transactions within delegated authority and participate in acquisition due diligence, including the evaluation of portfolio quality, credit risk, strategic alignment, and transaction considerations

Review, approve, and provide credible challenge to line-of-business credit products, programs, strategies, and policies to promote adherence to risk appetite and credit standards

Deliver large-scale solutions that require vision, innovation, advanced analytical judgment, and coordination of highly complex activities across multiple stakeholders

Provide vision, direction, and credit expertise to senior leadership in the development and implementation of significant business and risk management solutions

Strategically engage with business leaders, risk partners, Audit, Legal, and other stakeholders to resolve complex issues, influence decisions, and achieve shared goals

Provide guidance and mentorship to credit professionals and cross-functional teams responsible for executing credit strategies, reviews, and risk management activities

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
• 7+ years of Credit Risk in Home Loans High Net Worth experience
• 5+ years of experience evaluating credit strategies, policies, programs, transactions, or portfolio performance within a financial services organization
• 5+ years of experience identifying and assessing credit risk through portfolio analysis, asset-quality monitoring, risk appetite oversight, or credit policy review
• 4+ years of experience advising senior leaders and presenting complex credit risk assessments, recommendations, or decisions to senior management
• 3+ years of experience exercising credit approval authority or providing independent review and credible challenge of credit decisions, products, programs, or policies

Desired Qualifications

• Deep knowledge of commercial, consumer, or business credit principles, including underwriting, portfolio management, credit policy, risk appetite, asset quality, and concentration risk
• Experience monitoring large or complex credit portfolios and identifying emerging risks, performance trends, concentrations, and credit policy exceptions
• Experience developing or challenging credit strategies, products, programs, underwriting standards, and policies within a regulated financial services environment
• Demonstrated experience exercising credit approval authority and evaluating complex transactions using quantitative and qualitative credit factors
• Experience conducting or supporting acquisition due diligence, including assessment of portfolio performance, underwriting standards, collateral, concentrations, credit losses, and strategic alignment
• Experience translating complex portfolio and credit risk information into executive-level reporting, recommendations, and decision-support materials
• Demonstrated ability to provide credible challenge, influence senior stakeholders, and drive sound credit decisions across business and independent risk functions
• Experience partnering with business leaders, Independent Risk Management, Finance, Legal, Compliance, Audit, or regulatory stakeholders on significant credit matters
• Knowledge of regulatory expectations and risk governance practices applicable to credit products, portfolios, and lending activities
• Experience guiding cross-functional teams and mentoring credit professionals through complex reviews, transactions, policy decisions, or strategic initiatives

Job Expectations

This position requires compliance with all mortgages regulatory requirements and Wells Fargo’s compliance policies related to these requirements. Successful candidates must also meet ongoing regulatory requirements including additional screening and required reporting of certain incidents.

This position is not eligible for Visa sponsorship.

This position offers a hybrid work schedule. Telework or remote work settings are not available. Preferred location(s) listed below. Other locations within the Wells Fargo footprint may be considered

Relocation assistance is not available for this position.

Posting Locations

Charlotte, NC -1525 W WT Harris Blvd

Charlotte, NC- 550 S Tryon St

Des Moines, IA-800 S Jordan Creek Pkwy

Minneapolis, MN- 600 Wells Fargo

Irving, TX-401 Los Colinas Blvd

Tempe, AZ -1150 W. Washington

Columbus, OH- 3075 Loyalty Circle.

Wilmington, DE- 2200 Concord Pike

Chicago, IL 10 S Wacker St

Posted Range

$ 185,000 to $300,000

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

16 Oct 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

• 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.
• Additional Locations: CHANDLER, AZ, PHOENIX, AZ, WEST DES MOINES, IA, COLUMBUS, OH, WILMINGTON, DE, IRVING, TX, MINNEAPOLIS, MN, CHICAGO, IL