Banking Officer Jobs
Banking officer jobs are open across commercial banks, credit unions, community banks, and financial services firms, from entry-level to senior and VP, with specializations in commercial lending, retail banking, and credit analysis. Find a role that fits below and apply directly.
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Wells Fargo is seeking a Senior Lead Credit & Approval Officer on our second line of defense Independent Risk Management team. This team covers jobs that monitor and manage the credit exposure within Commercial Banking and Corporate & Investment Banking portfolios and transactions, approve loans in excess of line authority levels, continually review counterparty creditworthiness, and develop credit exposure methodologies in conjunction with risk analytic systems that are aligned with Board-approved risk appetite.
About this role:
Work in collaboration with regional leadership to effectively and prudently grow the loan portfolio
Review, challenge and approve loans in excess of front-line credit officer authority levels
Ensure conformity with bank policies, risk appetite and procedures
Develop guidance, advising and partnering with key Business stakeholders on sound credit risk practices
Monitor delinquency, loss and risk rating accuracy across all assigned regions and/or products
Analyze Portfolio Performance and Trends
Assist relationship managers and local credit teams with structuring, pricing and documentation of larger or more complex commercial loan transactions
Monitor and review loan underwriting and portfolio management for senior management/regulatory agency review
Advise more experienced leadership to provide support, oversight, and guidance in surveilling the portfolio for highly complex business and technical needs across groups
Lead the strategy and resolution of highly complex loan transactions and unique challenges
Deliver solutions that require vision, creativity, innovation, advanced analytical and inductive thinking
Coordinate and establish criteria to safeguard and support credit risk-based limits based on position, size, and margin requirements
Provide vision, direction, and expertise to more experienced leadership on implementing innovative and significant business solutions that are large-scale, cross-functional, or companywide strategies
Collaborate and consult with peers, colleagues, and managers to resolve issues and achieve goals
Serve as an experienced advisor to leadership to resolve issues and achieve goals
Interact with internal and external customers
In this role, you will:
Advise more experienced leadership to provide support, oversight, and guidance in surveilling the portfolio for highly complex business and technical needs across groups
Lead the strategy and resolution of highly complex loan transactions and unique challenges
Deliver solutions that require vision, creativity, innovation, advanced analytical and inductive thinking
Coordinate and establish criteria to safeguard and support credit risk-based limits based on position, size, and margin requirements
Provide vision, direction, and expertise to more experienced leadership on implementing innovative and significant business solutions that are large-scale, cross-functional, or companywide strategies
Collaborate and consult with peers, colleagues, and managers companywide
Serve as an experienced advisor to leadership to resolve issues and achieve goals
Interact with internal and external customers
Required Qualifications:
7+ years of Credit Risk & Approval experience or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
Desired Qualifications:
Experience in one or more of the following areas:
Wealth Management Credit
Alternative assets/investment lending
Experience assisting credit teams with structuring, pricing and documentation of larger or more complex commercial loan transactions
Experience analyzing and approving complex assets and transactions
Private banking experience with ultra-high net worth
Deep and proven credit decision-making skills
Broad analytical experience across products, client profiles and structures
Ability to provide leadership during challenging risk discussions
Excellent verbal, written, and interpersonal communication skills
Strong analytical skills
Strong organizational, multi-tasking, and prioritizing skills
Ability to quickly establish credibility to build and maintain effective working relationships
Job Expectations:
This position is subject to FINRA background screening requirements. Candidates must successfully complete and pass a background check prior to hire. In accordance with FINRA rules, individuals who are subject to statutory disqualification are not eligible to be associated with a FINRA-registered broker-dealer. Successful candidates must also meet and comply with ongoing regulatory obligations, which include periodic screening and mandatory reporting of certain incidents.
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. $215,000.00 - $355,000.00
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, and accident insurance
- Parental leave
- Critical caregiving leave
- Discounts and savings
- Commuter benefits
- Tuition reimbursement
- Scholarships for dependent children
- Adoption reimbursement
Posting End Date:
10 Nov 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.
c. Please be prepared to provide accurate information and supporting documentation in connection with any lawful employment and education verification conducted by Wells Fargo.
Wells Fargo is seeking a Senior Lead Credit & Approval Officer on our second line of defense Independent Risk Management team. This team covers jobs that monitor and manage the credit exposure within Commercial Banking and Corporate & Investment Banking portfolios and transactions, approve loans in excess of line authority levels, continually review counterparty creditworthiness, and develop credit exposure methodologies in conjunction with risk analytic systems that are aligned with Board-approved risk appetite.
About this role:
Work in collaboration with regional leadership to effectively and prudently grow the loan portfolio
Review, challenge and approve loans in excess of front-line credit officer authority levels
Ensure conformity with bank policies, risk appetite and procedures
Develop guidance, advising and partnering with key Business stakeholders on sound credit risk practices
Monitor delinquency, loss and risk rating accuracy across all assigned regions and/or products
Analyze Portfolio Performance and Trends
Assist relationship managers and local credit teams with structuring, pricing and documentation of larger or more complex commercial loan transactions
Monitor and review loan underwriting and portfolio management for senior management/regulatory agency review
Advise more experienced leadership to provide support, oversight, and guidance in surveilling the portfolio for highly complex business and technical needs across groups
Lead the strategy and resolution of highly complex loan transactions and unique challenges
Deliver solutions that require vision, creativity, innovation, advanced analytical and inductive thinking
Coordinate and establish criteria to safeguard and support credit risk-based limits based on position, size, and margin requirements
Provide vision, direction, and expertise to more experienced leadership on implementing innovative and significant business solutions that are large-scale, cross-functional, or companywide strategies
Collaborate and consult with peers, colleagues, and managers to resolve issues and achieve goals
Serve as an experienced advisor to leadership to resolve issues and achieve goals
Interact with internal and external customers
In this role, you will:
Advise more experienced leadership to provide support, oversight, and guidance in surveilling the portfolio for highly complex business and technical needs across groups
Lead the strategy and resolution of highly complex loan transactions and unique challenges
Deliver solutions that require vision, creativity, innovation, advanced analytical and inductive thinking
Coordinate and establish criteria to safeguard and support credit risk-based limits based on position, size, and margin requirements
Provide vision, direction, and expertise to more experienced leadership on implementing innovative and significant business solutions that are large-scale, cross-functional, or companywide strategies
Collaborate and consult with peers, colleagues, and managers companywide
Serve as an experienced advisor to leadership to resolve issues and achieve goals
Interact with internal and external customers
Required Qualifications:
7+ years of Credit Risk & Approval experience or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
Desired Qualifications:
Experience in one or more of the following areas:
Wealth Management Credit
Alternative assets/investment lending
Experience assisting credit teams with structuring, pricing and documentation of larger or more complex commercial loan transactions
Experience analyzing and approving complex assets and transactions
Private banking experience with ultra-high net worth
Deep and proven credit decision-making skills
Broad analytical experience across products, client profiles and structures
Ability to provide leadership during challenging risk discussions
Excellent verbal, written, and interpersonal communication skills
Strong analytical skills
Strong organizational, multi-tasking, and prioritizing skills
Ability to quickly establish credibility to build and maintain effective working relationships
Job Expectations:
This position is subject to FINRA background screening requirements. Candidates must successfully complete and pass a background check prior to hire. In accordance with FINRA rules, individuals who are subject to statutory disqualification are not eligible to be associated with a FINRA-registered broker-dealer. Successful candidates must also meet and comply with ongoing regulatory obligations, which include periodic screening and mandatory reporting of certain incidents.
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. $215,000.00 - $355,000.00
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, and accident insurance
- Parental leave
- Critical caregiving leave
- Discounts and savings
- Commuter benefits
- Tuition reimbursement
- Scholarships for dependent children
- Adoption reimbursement
Posting End Date:
10 Nov 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.
c. Please be prepared to provide accurate information and supporting documentation in connection with any lawful employment and education verification conducted by Wells Fargo.
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Find Banking Officer JobsBanking Officer Job Market
Who's Hiring
Top Industries Hiring
- Banking & Financial Services
What Employers Look For
The qualifications that appear most often in banking officer jobs.
- Bachelor's degree in finance, business, accounting, or a related field
- Experience underwriting or originating commercial, consumer, or mortgage loans
- Proficiency with core banking systems and loan origination software
- Strong financial statement analysis and credit risk assessment skills
- Active or eligible NMLS licensing for mortgage lending roles
- Knowledge of federal and state banking regulations including BSA and CRA compliance
Tips for Your Banking Officer Job Search
Highlight your credit analysis depth
Many applicants list credit experience without showing scope. Name the credit quality you underwrote, the size of deals you analyzed, and any covenant monitoring you handled so reviewers can place you at the right level immediately.
Target community banks and credit unions separately
Community institutions post openings on their own career pages and local chambers of commerce sites, not just large job boards. Search those directly because competition is lighter and hiring timelines move faster than at regional or national banks.
Apply early to roles that fit
Migrate Mate lists banking officer openings from across the United States in one place, so you can find roles that match and apply directly to each listing.
Prepare a loan scenario for your interview
Interviewers at most banks walk candidates through a sample credit request and ask how you'd structure or decline it. Rehearse a real deal you analyzed, including the rationale, risk factors you flagged, and how the decision turned out.
Negotiate on title and portfolio size, not just pay
Banking officer compensation is often constrained by internal grade bands, but loan portfolio size and officer title directly affect your next move. Push to manage a larger book or secure a senior officer title so your next application starts from a stronger position.
Banking Officer Jobs: Frequently Asked Questions
Which companies are hiring the most banking officers?
The companies hiring the most banking officers right now include Republic Bank & Trust Company, Servbank, sb, and JPMorganChase, with the largest share of openings in Texas, Illinois, and New York, based on current listings on Migrate Mate as of November 2026. Regional and community banks consistently account for a significant portion of active postings alongside national institutions.
How many banking officer jobs are remote?
About 47% of banking officer openings are fully remote or hybrid as of November 2026, with fully in-person roles still dominant across commercial and retail lending. Credit review, loan processing support, and portfolio monitoring functions are the most likely to offer remote or hybrid arrangements, while client-facing relationship banking roles typically require an on-site presence.
How do you become a banking officer?
Start with a bachelor's degree in finance, accounting, business, or economics, then gain entry through a bank teller, credit analyst, or loan processor role that exposes you to underwriting. Build credit analysis skills, earn relevant certifications such as a commercial lending certificate from a banking association, and pursue NMLS licensing if you plan to work in mortgage. Consistent portfolio performance and client relationship results accelerate promotion to an officer title.
Can you get hired as a banking officer with little experience?
Yes, some community banks and credit unions hire candidates into junior banking officer or officer-in-training roles with limited direct experience, particularly if you have a relevant degree and strong analytical skills demonstrated through coursework or internships. Focusing your applications on smaller institutions, emphasizing any exposure to financial statements or customer service in banking, and completing a certified credit or lending course before applying strengthens your profile significantly.
What does the banking officer interview process look like?
Most banking officer interviews involve an initial phone screen with HR focused on your background and regulatory awareness, followed by one or two in-person rounds with the hiring manager and sometimes a senior credit officer or branch leadership. Expect a credit scenario or case study where you walk through how you would evaluate a loan request. References and a background check, including a credit check, are standard before an offer is extended.
Where can I find and apply to banking officer jobs?
You can find and apply to banking officer jobs on Migrate Mate, which lists current openings from across the United States. Search the listings to find roles that match your background and apply directly to each one that fits.
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