Credit Risk Specialist

In This Role, You Will

• Participate in less complex initiatives and identify opportunity for risk mitigation strategies within Credit Risk Lead, develop
• implement strategic initiatives and processes to drive the company credit culture, appetite
• business performance Review and analyze reports to assess and predict risk and monitor performance that require research, evaluation
• selection of alternatives
• exercise independent judgment to guide medium risk deliverables Receive direction from leaders Exercise independent judgment while developing the knowledge to understand function, policies, procedures
• compliance requirements Collaborate and consult with peers, colleagues and managers to resolve issues and achieve goals Interact with internal customers Demonstrate strong risk mindset and intellectual independence.
• Balance quantitative rigor with sound judgment.
• Be comfortable operating in both framework-driven analysis and judgment-based credit decisions.
• Show progression toward owning risk decisions, not just producing analysis.
• Required Qualifications: 2+ years of Credit Risk experience
• equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education Desired Qualifications: Prior experience in credit-related roles (e.g., lending, underwriting, credit risk, investment banking, private credit
• capital markets), with exposure to transaction analysis or portfolio risk assessment Demonstrated ability to analyze client financial statements, liquidity, leverage, cash flow
• balance sheet strength to assess repayment capacity and overall creditworthiness Experience applying analytical frameworks—including scenario analysis or downside assessment—to evaluate credit risk and inform structuring decisions Ability to interpret model outputs and data-driven insights
• translate them into clear, actionable risk perspectives Familiarity with credit risk concepts, including probability of default, loss severity
• risk drivers across different asset classes Exposure to stress testing, forecasting
• portfolio risk processes (e.g., CCAR, CECL, BLF) preferred but not required Proficiency in analytical and data tools (e.g., Python, R, SQL, Excel), with the ability to work with large datasets and synthesize insights Experience leveraging data and emerging tools (including AI capabilities) to enhance analysis and decision support Understanding of broader risk disciplines (e.g., market, liquidity, counterparty risk) is a plus Strong critical thinking skills with the ability to evaluate complex problems and challenge assumptions Excellent written and verbal communication skills, with the ability to present complex analyses clearly to senior stakeholders Ability to operate effectively in a fast-paced environment, manage competing priorities
• collaborate across teams Job Expectations: Willingness to work on-site at a stated location on the job opening This position offers a hybrid work schedule This position is not eligible for Visa Sponsorship Job Locations: 401 S Tryon, Charlotte, NC Pay Range Reflected is the base pay range offered for this position.
• Pay may vary depending on factors including but not limited to demonstrated examples of prior performance, skills, experience, or work location.
• Employees may also be eligible for incentive opportunities. $77,000.00 - $121,000.00 Benefits Wells Fargo provides eligible employees with a comprehensive set of benefits, many of which are listed below.
• Visit Benefits - Wells Fargo Jobs for an overview of the following benefit plans and programs offered to employees.
• Health benefits 401(k) Plan Paid time off Disability benefits Life insurance, critical illness insurance
• accident insurance Parental leave Critical caregiving leave Discounts and savings Commuter benefits Tuition reimbursement Scholarships for dependent children Adoption reimbursement Posting End Date: 3 Jul 2026 * 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
• 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)
• 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
• 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.
• 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.