Senior Credit Risk and Approval Specialist at Wells Fargo · Toronto

Senior Credit Risk and Approval Specialist Location: Toronto, Canada About this role: Wells Fargo is seeking a Senior Credit Risk and Approval Specialist.  The role is responsible for transactional credit risk management, oversight and portfolio governance. The role covers Corporate and Investment Banking, Commercial Banking, and Commercial Real Estate lending activities within our Americas region risk team. In this role, you will: Exercise sound credit judgment and independent risk oversight by providing credit concurrence within delegated authority limits for lending transactions across Corporate & Investment Banking, Commercial Banking, and Commercial Real Estate Serve as a trusted risk partner to front‑line and control functions, collaborating across the three lines of defense to structure, review, and execute transactions that support client objectives while maintaining strong risk discipline Provide oversight and governance of credit portfolios for Branch and non‑Branch legal entities, including portfolio analysis, internal and regulatory reporting, control management, and data and records governance Lead and support internal and external credit audits, ensuring timely issue management, adherence to regulatory expectations, and continuous improvement of risk practices Drive reporting enhancements and operational efficiencies by partnering with global risk, data, and technology teams and leveraging enterprise reporting platforms and centers of excellence Contribute enterprise‑wide risk leadership by providing subject matter expertise and supporting Canada Region and broader Americas Risk initiatives, strategic programs, and cross‑functional projects Required Qualifications: 4+ years of Credit Risk & Approval or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education 4+ years of experience in Corporate and/or Commercial Credit and/or Special Loans Desired Qualifications: Bachelor’s degree in Commerce, Business Administration, or related field or MBA Strong working knowledge of corporate and commercial lending frameworks across Canada and/or the U.S., including credit underwriting, risk assessment, and transaction approval processes Experience providing or supporting transactional credit decisioning within a regulated financial institution; formal credit training is an asset Understanding of the three lines of defense within a credit or risk management environment Excellent written, verbal, and stakeholder‑management skills, with the ability to articulate risk perspectives to senior audiences Proven ability to operate effectively in a global, matrixed, and performance‑driven organization Strong proficiency with Microsoft Office (Excel, PowerPoint, Word), with familiarity with AI‑enabled productivity tools or BI platforms (e.g., Microsoft Copilot, Power BI) an asset Demonstrated high attention to detail, strong execution, and ability to meet deadlines in a fast‑paced environment Experience at a global or U.S. money‑center financial institution, and/or exposure to regulatory, supervisory, or regulatory reporting environments Holder of risk management certifications (e.g. FRM, PRM) and or/professional designations such as CFA, CA or CPA. Job Expectations: The role is not eligible for Visa sponsorship You must be able to work at the posted location Posting Location: Toronto, Canada The role is for a vacancy in our Toronto office Pay Range Reflected is the base pay range offered for this position. Pay may vary depending on factors including but not limited to achievements, skills, experience, or work location. The range listed is just one component of the compensation package offered to candidates. $139,000.00 - $237,000.00 Posting End Date: 21 May 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, 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. 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.