Credit Risk Specialist

About this role:
Wells Fargo is seeking a Credit Risk Specialist.
In this role, you will:

• Provide an independent and thorough examination of credit decisions, providing credible challenge to credit decisions, policies and strategies
• Collaborate with business partners to drive recommendations for change or corrective action, research outcomes of credit decision reviews and engage in vetting process
• Provide leadership, guidance and subject matter expertise to peers, business partners and CCSE management
• Supervise entry to mid level roles in assessing and predicting risk in transactional or tactical less complex tasks and processes to ensure timely completion, quality and compliance Credit Risk
• Identify opportunities for driving the company credit culture, appetite, and business performance and risk control development in less complex functions

Required Qualifications,

• Experience in Credit Risk, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
• 3+ years of experience in similar role
• Excellent verbal and written communication skills and interpersonal communication skills
• Experience with Consumer Lending new account and portfolio management underwriting credit decisions and policies
• Strong analytical skills, including the ability to complete data investigations with high attention to detail and accuracy
• Knowledge of new application and servicing underwriting platforms
• Strong understanding of income analysis including self-employment cash flow
• Judgmental quality review experience
• Ability to work effectively in a team environment and across all organizational levels, where flexibility, collaboration, and adaptability are important to drive change
• Ability to meet or exceed business goals and objectives, while fostering a team atmosphere
• Adaptable and flexible coaching style which takes into account the needs and learning styles of a diverse team
• Design and implement targeted/ad hoc reviews as appropriate to identify potential quality or risk issues

Desired Qualifications:

• Experience of working across one or more geographic territories or regions
• Knowledge and understanding of market and counterparty risk management
• Understanding of Home Lending collections and/or default servicing activities
• Design and implement appropriate ongoing reviews to assess pre and post charge-off collections and default servicing activities
• Strong organizational, multi-tasking, and prioritizing skills
• Ability to work in a fast paced deadline driven environment
• Ability to identify inefficiencies and opportunities to improve the process
• Ability to prioritize work, meet deadlines, achieve goals, and work under pressure in a dynamic and complex environment

Job Expectations:

• Ability to prioritize work, meet deadlines, achieve goals, and work under pressure in a dynamic and complex environment

Posting End Date:
24 Mar 2024
*Job posting may come down early due to volume of applicants.
We Value Diversity
At Wells Fargo, we believe in diversity, equity and inclusion in the workplace; accordingly, we welcome applications for employment from all qualified candidates, regardless of race, color, gender, national origin, religion, age, sexual orientation, gender identity, gender expression, genetic information, individuals with disabilities, pregnancy, marital status, status as a protected veteran or any other status protected by applicable law.
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.
Candidates applying to job openings posted in US: 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.
Candidates applying to job openings posted in Canada: Applications for employment are encouraged from all qualified candidates, including women, persons with disabilities, aboriginal peoples and visible minorities. Accommodation for applicants with disabilities is available upon request in connection with the recruitment process.
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.