Principal Credit Risk and Approval Officer - Corporate and Investment Banking Risk

About the role

Wells Fargo seeks a Principal Credit Risk and Approval Officer to serve as the Credit Officer responsible for credit risk oversight within the Banking division of Corporate and Investment Banking (CIB Banking). This role supports integrated financial solutions for corporate, investment grade, non investment grade, public and private clients. The successful candidate will actively participate in the credit process, delivering holistic risk assessments in collaboration with deal teams and portfolio management, with the authority to approve complex transactions and to engage senior risk and business leaders as needed.

Key responsibilities

• Provide oversight and management of credit risk for CIB Banking, supporting the division’s objectives while upholding prudent underwriting standards and strong portfolio quality.
• Maintain credit quality and portfolio health by offering informed risk guidance, recommendations, and approvals; conduct regular portfolio evaluations and review deteriorating or problem credits, escalating when appropriate.
• Develop and maintain a solid understanding of bank credit policy, regulatory standards and guidance, and risk rating applicability; lead and advise CIB Banking teams on these matters.
• Build and sustain sector and industry knowledge; collaborate with product teams and subject matter experts to inform decisions and recommendations.
• Review pipeline activity with CIB Banking teams to support deadline management and client expectations.
• Provide leadership on due diligence and analytical focus, particularly for merger and acquisitions financing and other complex transactions.
• Interact with internal and external customers to facilitate informed credit decisions.

Required qualifications

• 10+ years of Credit Risk and Approval experience or equivalent demonstrated through a combination of work experience, training, military service, or education.

Desired qualifications

• A BS/BA degree or higher in accounting, finance, or economics.
• Strong credit analysis capabilities.
• Ability to work effectively and influence within a matrix organization and build partnerships at all levels.
• Strong organizational, interpersonal, and communication skills; capable of executive-level collaboration and influence.
• Experience with complex organizational and capital structures; solid understanding of capital markets and acquisition finance.
• Solid understanding of Wells Fargo's credit culture and risk management approach.
• Solid understanding of loan documentation, credit agreements, and security structure.

Location

Posting locations: 550 S. Tryon Street, Charlotte, North Carolina. Location for this role is Charlotte, North Carolina 28202.

Job expectations

Required location listed above. Relocation assistance is not available for this position. This position is not eligible for visa sponsorship. The role requires FINRA background screening, including successful completion and clearance of a background check. Internal transfers must comply with 17 CFR 240.17f-2 of the Securities Exchange Act of 1934 and FINRA Bylaws, Article III, Section 3, which prohibits statutory disqualification for associated Persons. Ongoing regulatory screening and additional compliance requirements may apply, including policies related to outside activities and personal investing. If hired, employees may be required to provide information to the Wells Fargo Personal Account Dealing Team and adhere to applicable policy requirements.

Posting end date

Posting End Date: April 2, 2026. The job posting may be withdrawn earlier depending on application volume.

We value equal opportunity

Wells Fargo is an equal opportunity employer. All qualified applicants will be considered for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, protected veteran status, or any other legally protected characteristic. Roles require adherence to risk and compliance programs across Credit, Market, Financial Crimes, Operational, and Regulatory Compliance, with proactive governance, risk identification, escalation, and remediation aligned to the business unit's risk appetite.

Disability accommodations

Accommodation for applicants with disabilities is available upon request in connection with the recruitment process. For postings in Canada, Wells Fargo encourages applicants from diverse backgrounds, including women, persons with disabilities, Indigenous peoples, and visible minorities. To request a medical accommodation during the application or interview process, please refer to Disability Inclusion at Wells Fargo.