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Senior Lead Credit Risk & Approval Officer (REIT Finance Group)

About this role:

Wells Fargo is seeking a Senior Lead Credit Risk & Approval Officer who will a part of our second line of defense and Independent Risk Management team. 

In this role, you will:

  • Partner with senior Line of Business (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, AQR 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.

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:

  • Minimum 7 years commercial real estate lending experience.

  • Proven knowledge of the commercial real estate capital markets industry as well as related products and services.

  • Experience in the REIT sector (lending, underwriting, portfolio management) and the Private Real Estate Fund sector is a strong positive.

  • A strong understanding of corporate finance, including financial statement analysis and capital markets products is a strong positive.

  • Confirmed ability to be a thought leader in a large matrix organization.

  • Consistent success in making sound business and credit decisions.

  • Consistent ability to ensure team member alignment with business strategies and risk appetite.

  • Demonstrated success making deals and building relationships.

  • Deep understanding of Wells Fargo’s Commercial Real Estate (CRE) lending philosophy and credit culture. 

  • Proven success developing, growing, and grooming future Wells Fargo business leaders.

  • Prior real estate loan workout experience.

  • Existing knowledge of / experience in the local markets and or business units a plus

Job Expectations:

  • This position offers a hybrid work schedule.

Posting Location:

  • 1445 Ross Ave – Dallas, Texas 75202

  • 550 S Tryon St - Charlotte, NC 28202

We Value Diversity

At Wells Fargo, we believe in diversity, equity and inclusion in the workplace; accordingly, we welcome applications for employment from all qualified candidates, regardless of race, color, gender, national origin, religion, age, sexual orientation, gender identity, gender expression, genetic information, individuals with disabilities, pregnancy, marital status, status as a protected veteran or any other status protected by applicable law.

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.

Candidates applying to job openings posted in US: All qualified applicants will receive consideration for employment without regard to race, color, religion, age, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

Candidates applying to job openings posted in Canada: Applications for employment are encouraged from all qualified candidates, including women, persons with disabilities, aboriginal peoples and visible minorities. Accommodation for applicants with disabilities is available upon request in connection with the recruitment process.

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Wells Fargo maintains a drug free workplace.  Please see our Drug and Alcohol Policy to learn more.

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