Senior Lead Business Credit Specialist – Home Lending, High Net Worth

Wells Fargo

. Advise senior leadership on credit strategies, programs, and policies affecting credit risk appetite, portfolio performance, and business objectives .

Posted 10/13/2026full-timeUnited StatesSenior💰 $185,000 - $300,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates extensive expertise in Credit Risk Management, including the ability to advise senior leadership on credit strategies and policies, evaluate complex credit transactions, and monitor portfolio performance. Proven track record in guiding cross-functional teams and providing actionable insights to drive sound credit decisions.

Highest-signal resume keywords

Credit Risk ManagementPortfolio Performance EvaluationCredit Strategy DevelopmentRegulatory ComplianceStakeholder Engagement

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit Risk AssessmentPortfolio AnalysisUnderwriting StandardsCredit Policy ReviewQuantitative AnalysisQualitative AnalysisCredit Approval AuthorityAcquisition Due DiligenceAsset Quality MonitoringConcentration Risk Management

Soft Skills

LeadershipMentoringCommunicationInfluencingProblem-Solving

Industry Keywords

Financial ServicesHome LoansHigh Net WorthRisk GovernanceRegulatory RequirementsCredit ProductsLending ActivitiesCompliance PoliciesEmerging RisksCredit Transactions

About the role

Key responsibilities & impact

Advise senior leadership on credit strategies, programs, and policies affecting credit risk appetite, portfolio performance, and business objectives
Lead resolution of highly complex credit challenges across business and risk areas
Translate complex credit and business needs into objectives, strategies, policies, decision frameworks, and long-term solutions
Monitor and assess asset quality, portfolio performance, concentrations, emerging risks, and credit policy exception trends
Communicate actionable insights and recommendations to senior leadership
Approve credit transactions within delegated authority
Participate in acquisition due diligence, evaluating portfolio quality, credit risk, strategic alignment, and transaction considerations
Review, approve, and provide credible challenge to credit products, programs, strategies, and policies
Deliver large-scale solutions requiring vision, innovation, advanced analytical judgment, and coordination across stakeholders
Provide credit expertise and direction to senior leadership on significant business and risk management solutions
Engage with business leaders, risk partners, Audit, Legal, and other stakeholders to resolve complex issues and influence decisions
Guide and mentor credit professionals and cross-functional teams executing credit strategies, reviews, and risk management activities

Requirements

What you’ll need

7+ years of Credit Risk experience, or equivalent demonstrated through one or a combination of work experience, training, military experience, or education
7+ years of Credit Risk in Home Loans High Net Worth experience
5+ years of experience evaluating credit strategies, policies, programs, transactions, or portfolio performance within a financial services organization
5+ years of experience identifying and assessing credit risk through portfolio analysis, asset-quality monitoring, risk appetite oversight, or credit policy review
4+ years of experience advising senior leaders and presenting complex credit risk assessments, recommendations, or decisions to senior management
3+ years of experience exercising credit approval authority or providing independent review and credible challenge of credit decisions, products, programs, or policies
Deep knowledge of commercial, consumer, or business credit principles, including underwriting, portfolio management, credit policy, risk appetite, asset quality, and concentration risk
Experience monitoring large or complex credit portfolios and identifying emerging risks, performance trends, concentrations, and credit policy exceptions
Experience developing or challenging credit strategies, products, programs, underwriting standards, and policies within a regulated financial services environment
Demonstrated experience exercising credit approval authority and evaluating complex transactions using quantitative and qualitative credit factors
Experience conducting or supporting acquisition due diligence
Experience translating complex portfolio and credit risk information into executive-level reporting, recommendations, and decision-support materials
Demonstrated ability to provide credible challenge, influence senior stakeholders, and drive sound credit decisions
Experience partnering with business leaders, Independent Risk Management, Finance, Legal, Compliance, Audit, or regulatory stakeholders
Knowledge of regulatory expectations and risk governance practices applicable to credit products, portfolios, and lending activities
Experience guiding cross-functional teams and mentoring credit professionals
Compliance with all mortgage regulatory requirements and Wells Fargo compliance policies
Must meet ongoing regulatory requirements, including additional screening and required reporting of certain incidents
Not eligible for Visa sponsorship

Benefits

Comp & perks

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
Incentive opportunities may be available