Job Description
About this role:
Wells Fargo is seeking a strong leader to serve as Head of Credit for the Emerging Middle Market (EMM) Agricultural Lending and Portfolio Management team. This role provides senior credit leadership and approval authority for a national portfolio of primary agricultural producers and processors with revenues between $25MM and $100MM.
The leader will partner closely with Relationship Managers and Independent Risk to drive disciplined growth, consistent underwriting standards, and a balanced "how can we" mindset while maintaining strong risk governance and portfolio performance across the platform. Learn more about the career areas and business divisions at wellsfargojobs.com (https://www.wellsfargojobs.com/career-areas/) .
In this role you will:
Manage and develop the Emerging Middle Market Agricultural Portfolio Management team, with a focus on high-quality credit underwriting, monitoring, and execution
Serve as a senior credit approver for complex agricultural lending transactions, including operating lines, real estate-secured facilities, and agribusiness/processor credits
Collaborate with Relationship Management, Independent Risk, and product partners nationally to structure and approve credit solutions that meet client needs within Wells Fargo's risk appetite
Actively participate in the origination, structuring, and execution of credit transactions for primary producers and agricultural processors
Establish and reinforce consistent underwriting standards, risk rating discipline, and portfolio monitoring practices across regions
Identify and recommend opportunities for process improvement, efficiency gains, and risk control enhancements within the Portfolio Management function
Provide subject matter expertise on agricultural industries, including row crops, livestock, dairy, specialty agriculture, and food and agribusiness processing sectors
Determine appropriate credit strategies and actions to meet complex business objectives, including growth, asset quality, and return targets
Promote a high level of morale, accountability, and performance across a geographically dispersed team
Influence and partner with Independent Risk to ensure alignment on credit philosophy, policy adherence, and emerging risk trends
Coach Relationship Managers on credit structuring, risk identification, and client strategy to strengthen front-line credit acumen and drive sound decision-making
Provide training and guidance to less experienced individuals
Manage allocation of people and financial resources to optimize coverage, efficiency, and portfolio performance
Develop and guide a culture of talent development, inclusion, and continuous improvement aligned with Commercial Banking and EMM strategy
Required Qualifications:
7+ years of Commercial Banking Portfolio Management or leadership experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
7+ years of Commercial Agricultural Banking Portfolio Management, underwriting, or credit experience
3+ years of management or leadership experience
Desired qualifications:
Experience with complex credit, underwriting, and debt structure for clients with annual revenue of $25MM to $100MM
Completion of a formal credit training program
Deep expertise in agricultural industries (e.g., row crops, livestock, dairy, specialty crops, food processing) and associated risk drivers such as commodity price volatility, weather variability, input costs, and farmland values.
Strong partnership orientation with proven ability to collaborate effectively with Relationship Managers and Independent Risk
Demonstrated ability to balance growth and risk, with a track record of maintaining strong credit quality through economic and agricultural cycles
Experience leading through change, including process transformation, technology adoption, or organizational scaling
Excellent communication skills with the ability to influence senior stakeholders and drive alignment across functions.
Strong analytical and strategic thinking capabilities, including portfolio trend analysis, concentration management, and early risk identification.
Experience operating in a national or multi-region platform with a distributed team.
Bachelor's degree in finance, Agriculture, Economics, or related field; MBA or advanced degree preferred.
Job expectations:
This position is not eligible for Visa sponsorship
This position offers a hybrid work schedule
Specific compliance policies may apply regarding outside activities 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
Ability to travel domestically as needed to support national portfolio oversight and team engagement & lead a geographically dispersed team with consistent engagement, oversight, and performance management.
May be considered for a discretionary bonus, Restricted Share Rights or other long-term incentive awards
CommercialBanking
Locations:
2700 S Price Road, Chandler, AZ
8601 N Scottsdale Rd., Scottsdale, AZ
171 17th St NW, Building 100, Atlanta, GA
333 Market Street, San Francisco, CA
2030 Main Street, Irvine, CA
1800 Century Park East, Los Angeles, CA
10 S Wacker Drive, Chicago, IL
801 Walnut St., Des Moines, IA
125 High Street, Boston, MA
600 S 4th St., Minneapolis, MN
114 N Beaumont Street, St. Louis, MO
51 John F. Kennedy Parkway, Short Hills, NJ
461 From Road, Paramus, NJ
550 S Tryon St., Charlotte, NC
4208 Six Forks Road, Raleigh, NC
100 N 18th Street, Philadelphia, PA
14241 Dallas Pkwy, Ste 1300, Dallas, TX
401 Las Colinas Blvd W, Building B, Irving, TX
10999 W Interstate 10, San Antonio, TX
299 S Main Street, Salt Lake City, UT
1751 & 1753 Pinnacle Drive, McLean, VA
1021 E Cary St., Richmond, VA
May be open to additional locations based on available of seating
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.
$159,000.00 - $305,000.00
Benefits
Wells Fargo provides eligible employees with a comprehensive set of benefits, many of which are listed below. Visit Benefits - Wells Fargo Jobs (https://www.wellsfargojobs.com/en/life-at-wells-fargo/benefits) 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, and accident insurance
Parental leave
Critical caregiving leave
Discounts and savings
Commuter benefits
Tuition reimbursement
Scholarships for dependent children
Adoption reimbursement
Posting End Date:
13 Aug 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 (https://www.wellsfargojobs.com/en/diversity/disability-inclusion/) .
Drug and Alcohol Policy
Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy (https://www.wellsfargojobs.com/en/wells-fargo-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-566882
