Job Description

**About this role:** Wells Fargo is seeking a Credit Risk & Approval Director to provide credit support and serve as a Senior Credit Officer for the Healthcare Portfolio under Corporate and Investment Banking Risk. As a part of Wells Fargo's second line of defense and Independent Risk Management team, covers jobs that monitor and manage the credit exposure within Corporate & Investment Banking portfolios and transactions, approve loans in excess of line authority levels, continually review counterparty credit-worthiness, and develop credit exposure methodologies in conjunction with risk analytic systems and that are aligned with Board-approved risk appetite. This role will be responsible for credit approval, credit management and oversight of components of the Healthcare portfolio. A successful candidate will provide leadership to a portfolio managers, coverage bankers and analysts within the business unit and will assist in the successful pursuit of the business strategy while maintaining appropriate credit quality in the portfolio. This role will report to the Group Senior Credit Officer of Banking. **In this role, you will:** + Review, analyze, provide credible challenge, and approve or decline new requests, modifications, amendments etc. + Review, analyze, and provide credible challenge to front line portfolio monitoring and surveillance activities. Responsible for oversight of the Healthcare portfolio. + Monitor asset and portfolio level metrics, financial, market and economic data to assess the impacts to credit fundamentals on lending positions in the Healthcare portfolio. + Identify emerging credit trends that could potentially impact the Healthcare portfolio. + Escalate emerging credit issues and concerns to Business and Credit Risk senior leadership. + Provide insight and direction on Healthcare Coverage Teams and Portfolio Management Professionals with a focus on delivering credit solutions for clients. + Manage and develop specialized teams of managers and professional individual contributors with focus on delivering moderate to high complexity and risk products. + Provide service for cross-functional stakeholders and internal partners associated with formulating and establishing group credit and lending policies. + Identify opportunities and strategies for developing approval procedures on prospective customers and directing guidelines on credit limits. + Lead Credit Risk team by making strategic decisions to resolve highly complex issues to meet higher risk deliverables. + Interpret and develop range of lending policies, procedures and standards for functions with moderate to higher complexity and risk. + Collaborate and influence all levels of professionals including more experienced managers. + Lead team to achieve goals. + Interact with internal and external customers. + Manage allocation of people and financial resources for Credit Risk. + Develop and guide a culture of talent development to meet business objectives and strategy. **Required Qualifications:** + 8+ years of Credit Risk or lending experience or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education + 4+ years of management or leadership experience **Desired Qualifications:** + Experience in Banking Risk-whether in a front-line or second-line role-within the healthcare sector is preferred **Posting Locations:** + 550 S. Tryon Street - Charlotte, North Carolina **Job Expectations:** + Required location(s) listed above. Relocation assistance is not available for this position. + This position currently offers a hybrid work schedule. + This position is not eligible for VISA sponsorship. + This position is subject to FINRA Background Screening Requirements, including successful completion and clearing of a background check. Internal transfers are subject to comply with 17 CFR 240.17f-2 of the Securities Exchange Act of 1934 and FINRA Bylaws, Article III, Section 3, which states that Associated Persons should not be subject to statutory disqualification. Successful candidates must also meet ongoing regulatory requirements including additional screening and are required to report certain incidents. + Specific compliance policies may apply regarding outside activities and/or personal investing; affected employees will be expected to provide information to the Wells Fargo Personal Account Dealing Team and abide by applicable policy requirements if hired. Information will be shared about expectations during the recruitment process. **Posting End Date:** 4 Dec 2025 **_*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. 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. **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. **Req Number:** R-505974

Job Tags

Work experience placement, Relocation package,

Similar Jobs