Lead Credit Risk & Approval Officer

• Partner with senior LOB and Credit Risk managers to develop appropriate business strategies and targets for the region / business unit and provide leadership toward the implementation of the strategy
• provide a commercial approach to the business balancing market realities with appropriate risk management
• maintain appropriate credit quality and portfolio health through proper, timely and thoughtful credit risk decisions, recommendations, and approvals
• identify and manage portfolio trends, portfolio risks and concentrations
• ensure timely and accurate approvals, portfolio monitoring and reporting, risk rating grading changes and certifications, problem loan management, and non-accrual and loss identification and forecasting
• bring appropriate team members (inside and outside the LOB) into the deal approval process
• assist the relationship management teams in providing clear and concise recommendations and analysis for distribution up the approval chain
• assist and support business units in their efforts to prepare for and achieve satisfactory exams from RAR, OCC, Audit, etc.
• reinforce Wells Fargo’s strong credit culture and strengthen team member engagement across the region
• train and develop team members to ensure a strong pipeline of diverse future leadership talent at all levels of the organization
• play an active role in knowing and supporting the customer by attending customer meetings
• develop an expertise in the geographies / markets covered by actively participating in the local real estate community and industry organizations
• engage and influence stakeholders, internal partners, and peers associated with analyzing new business products and prospects
• identify and recommend opportunities for approving loans and partner on structuring pricing and documentation for loan transactions of large size
• determine appropriate strategy and actions of Credit Risk team to meet moderate to high-risk deliverables
• collaborate and influence all levels of professionals including more experienced managers
• interact with internal and external customers
• develop and guide a culture of talent development to meet business objectives and strategy

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

• 5+ years of Commercial real estate lending experience
• prior real estate loan workout experience
• proven knowledge of the commercial real estate capital markets industry as well as related products and services
• deep understanding of Wells Fargo’s Commercial Real Estate (CRE) lending philosophy and credit culture
• confirmed ability to be a thought leader in a large matrix organization
• consistent success in making sound business, credit decisions and ability to ensure team member alignment with business strategies and risk appetite
• demonstrated success making deals and building relationships
• proven success developing, growing, and grooming future Wells Fargo business leaders
• existing knowledge of / experience in the local markets and or business units a plus

• 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