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About the Role

Wells Fargo seeks a 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.

Responsibilities

Manage and develop the Emerging Middle Market Agricultural Portfolio Management team, focusing on credit underwriting, monitoring, and execution.
Serve as a senior credit approver for complex agricultural lending transactions.
Collaborate with Relationship Management, Independent Risk, and product partners to structure and approve credit solutions.
Actively participate in the origination, structuring, and execution of credit transactions.
Establish and reinforce consistent underwriting standards, risk rating discipline, and portfolio monitoring practices.
Identify and recommend opportunities for process improvement, efficiency gains, and risk control enhancements.
Provide subject matter expertise on agricultural industries and processing sectors.
Determine appropriate credit strategies and actions to meet business objectives.
Promote high morale, accountability, and performance across a geographically dispersed team.
Influence and partner with Independent Risk to ensure alignment on credit philosophy and policy adherence.
Coach Relationship Managers on credit structuring, risk identification, and client strategy.
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.

Requirements

7+ years of Commercial Banking Portfolio Management or leadership experience, or equivalent.
7+ years of Commercial Agricultural Banking Portfolio Management, underwriting, or credit experience.
3+ years of management or leadership experience.
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 and associated risk drivers.
Strong partnership orientation with proven ability to collaborate effectively.
Demonstrated ability to balance growth and risk, maintaining strong credit quality.
Experience leading through change, including process transformation, technology adoption, or organizational scaling.
Excellent communication skills with the ability to influence senior stakeholders.
Strong analytical and strategic thinking capabilities.
Experience operating in a national or multi-region platform with a distributed team.
Ability to travel domestically as needed.
Ability to lead a geographically dispersed team with consistent engagement, oversight, and performance management.

Skills

Credit Underwriting
Portfolio Management
Agricultural Lending
Risk Management
Financial Analysis
Leadership
Communication
Strategic Thinking

Location

Chandler, AZ
Scottsdale, AZ
Atlanta, GA
San Francisco, CA
Irvine, CA
Los Angeles, CA
Chicago, IL
Des Moines, IA
Boston, MA
Minneapolis, MN
St. Louis, MO
Short Hills, NJ
Paramus, NJ
Charlotte, NC
Raleigh, NC
Philadelphia, PA
Dallas, TX
Irving, TX
San Antonio, TX
Salt Lake City, UT
McLean, VA
Richmond, VA

Work Type

Hybrid

Experience Level

Senior
Management
Leadership

Education Level

Bachelor's degree in finance, Agriculture, Economics, or related field
MBA or advanced degree preferred

Salary/Compensations

$159,000.00 - $305,000.00

Benefits

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
Discretionary bonus
Restricted Share Rights or other long-term incentive awards

About the Company

Wells Fargo is an equal opportunity employer.
Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture.
They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance).

Equal Opportunity

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.
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.
Wells Fargo Recruitment and Hiring Requirements: Third-Party recordings are prohibited unless authorized by Wells Fargo. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.