Michael Harter
Director Credit Risk / Sr Vice President at Wells Fargo & Co. | Greater Minneapolis-St. Paul Area
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Michael Harter serves as the Director of Credit Risk and Senior Vice President at Wells Fargo & Co., where he plays a pivotal role in overseeing the third-party risk management function for the Home Lending correspondent seller and wholesale broker business units. With a robust background in managing portfolio credit and counterparty risks, Michael specializes in navigating the complexities of credit-intensive financing structures and operationally intricate portfolios. His expertise is particularly valuable in the context of both prime and non-prime client bases, where he leads a dedicated team of 45 professionals focused on two critical areas: client onboarding and ongoing client monitoring and risk mitigation.
Under Michael's leadership, the client onboarding process involves comprehensive due diligence, eligibility determination, and contract approval, ensuring that all partnerships align with Wells Fargo's stringent risk management standards. His strategic approach not only enhances the efficiency of onboarding but also fortifies the bank's overall credit risk management framework. Michael’s deep understanding of complex loan structuring and credit analysis allows him to effectively assess and mitigate risks associated with mortgage lending and banking operations.
In addition to his operational responsibilities, Michael is committed to fostering strong client relationships, which are essential for maintaining a stable and profitable portfolio. His ability to balance risk management with client service exemplifies his dedication to both the bank's objectives and the needs of its clients. As the landscape of mortgage banking continues to evolve, Michael remains at the forefront, leveraging his skills in risk management and credit analysis to navigate challenges and seize opportunities in the market.
Director Credit Risk / Sr Vice President at Wells Fargo & Co. in September 2004 to Present
Vice President at Wells Fargo Home Mortgage in September 2002 to September 2004
Vice President at US Banccorp in April 1999 to September 2002
Assistant Vice President at US Banccorp in April 1997 to March 1999
Commercial Banking Officer at US Banccorp in April 1994 to March 1997
Credit Analyst at US Banccorp in June 1992 to March 1994
Corporate Finance Intern at Mitsubishi Bank, Ltd. in June 1991 to September 1991
Associate National Bank Examiner at Office of the Comptroller of the Currency in November 1986 to August 1990
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Credit Risk Management
Counterparty Risk
Fraud Risk Management
Complex loan structuring
- Custom complex loan structuring
Banking
Loans
Credit
Risk Management
Mortgage Lending
Credit Analysis
Mortgage Banking
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What is Michael Harter email address?
Email Michael Harter at [email protected]. This email is the most updated Michael Harter email found in 2026.
What is Michael Harter phone number?
Michael Harter phone number is +12069319807.
How to contact Michael Harter?
To contact Michael Harter send an email to [email protected]. If you want to call Michael Harter try calling on +12069319807. (updated on November 04, 2024)
What company does Michael Harter work for?
Michael Harter works for Wells Fargo & Co.
What is Michael Harter's role at Wells Fargo & Co.?
Michael Harter is Director Credit Risk / Sr Vice President
What industry does Michael Harter work in?
Michael Harter works in the Financial Services industry.
Michael Harter Email Addresses
Michael Harter Phone Numbers
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