Senior Lead Credit Risk and Approval Officer

• Provide a commercial approach to the business of balancing market realities with appropriate risk management
• Maintain appropriate credit quality and portfolio health through proper review and evaluation of new credit requests, modifications, and amendments, providing well-supported, timely and accurate credit recommendations/decisions, portfolio reporting, and risk rating updates, problem loan management, and non-accrual and loss identification and forecasting
• Work with FFG team in structuring, underwriting, monitoring loans, and portfolio management performance. Including, recommending changes to new facility originations for current and prospective Clients
• review/comment on term sheets, deal structures and amendments to current deals (i.e. covenant levels/risk ratings/credit enhancements)
• Partner with senior LOB originators, portfolio managers and Credit Risk managers to identify and manage portfolio trends, portfolio risks, concentrations, and other portfolio-level metrics, to ensure proactive risk management
• Identify and escalate emerging credit risks and concerns to senior leadership in a timely manner
• Lead complex initiatives including those that are cross-functional with broad impact
• 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
• Stay current on market trends, regulatory changes, and macroeconomic factors impacting private equity, private credit and other issues related to fund finance and integrating insights into credit assessments
• Maintain a strong understanding of enterprise and business line credit policies, ensuring full compliance with internal standards and procedures
• Play an active role in knowing and supporting the customer by participating in due diligence activities, including management meetings, site visits, and calls
• 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
• Develop and guide a culture of talent development to meet business objectives. Train and develop team members to ensure a strong pipeline of diverse future leadership talent at all levels of the organization
• Engage and influence stakeholders, internal partners, and peers associated with analyzing new business products and prospects
• Build and maintain effective relationships with internal and external clients, representing the organization with professionalism and integrity

• 7+ years of Credit Risk & Approval or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
• A master’s degree or higher in accounting, finance, or economics
• Excellent verbal, written, and interpersonal communication skills
• Formal Credit Training
• Strong credit analysis skill, supplemented by experience in originating, underwriting or portfolio management of commercial/corporate loans
• Well-developed corporate finance and capital markets skill sets
• Proven credit underwriting skills and ability to make prudent and appropriate independent credit decisions, and present concise recommendations to senior credit management
• Proven ability to work closely with LOB Leadership on strategic matters as well as closely with LOB origination team from initial due diligence to credit approval
• Proven ability to recommend actions on clients such as grade, correct exposure, work out and recovery action plans, and facility modifications
• Prior experience in a risk management role
• Ability to partner with internal constituents (Compliance, Operational Risk, RAR, Audit, etc.)
• Proven track record with respect to satisfactory internal compliance and RAR examinations
• Experience in working with governmental regulatory agencies
• Solid understanding of commercial legal documentation and ability to work with internal or external legal counsel
• Strong financial quantitative and analytical skill sets

• Prior Financial institutions/private equity knowledge and experience a plus
• Prior experience in client-facing relationship or product role a plus

Relocation assistance is not available for this position