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About this role:
Wells Fargo is seeking a Senior Lead Credit Risk Officer who will lead credit policy efforts and provide credit policy guidance. Leader will participate in front line projects by representing Home Lending Originations Credit Risk through oversite of credit related activities and credit policy initiatives. This position uses subject matter knowledge to advise front line management regarding credit performance, emerging risks, and business conformity with risk appetite, credit culture, and policies. This role will collaborate with independent risk management (IRM) risk pod partners comprised of Business Aligned Compliance Officer (BACO) and Operational Risk Business Oversight (ORBO) to document all applicable risks.
In this role, you will:
Successful candidates will possess credit policy experience, strong analytic capacity, excellent project management skills, a collaborative approach to issue resolution and excellent writing skills.
This position applies subject matter knowledge to serve as a consultant and resource to corporate and/or front line management regarding credit performance, potential or emerging risks, and business conformity with risk appetite, credit culture, and policies.
Candidate must demonstrate a track record of end to end ownership of projects driving timely, thorough results. Successful candidate will have excellent technical writing and oral communication skills to write and present policies, presentations, and executive level communications.
Position requires innovative thinking to challenge existing process and policy. Experience creating synergies with collaborative business partnerships to drive efficient results which support broader goal of simplifying policy and operations.
Experience working on efforts related to regulatory issues and corrective actions is preferred.
Act as an advisor to leadership to develop or influence credit risk policies and strategies.
Lead large projects related to credit policy or strategy.
Experience in mortgage lending credit/collateral policy, credit risk, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education.
7+ 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.
Proven leadership experience and skills.
Required Qualifications:
7+ years of Credit Risk experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education.
Desired Qualifications:
Strong analytical skills, including the ability to complete data investigations with high attention to detail and accuracy.
Proven technical writing and communication skills.
Strong collaboration skills with demonstrated ability to successfully manage strategic initiatives with business partners.
Knowledge of origination underwriting platforms.
Strong understanding of income analysis including self-employment cash flow.
Judgmental quality review experience.
Posting Locations:
401 S Tryon Street, Charlotte, North Carolina
1445 Ross Ave, Dallas, Texas
600 S 4th St, Minneapolis, Minnesota
800 S Jordan Creek Pkwy, West Des Moines, Iowa
1150 W Washington St, Tempe, Arizona
Job Expectations:
This position currently offers a hybrid work schedule.
Ability to work at the approved location(s) in the job posting.
*Job posting may come down early due to volume of applicants.
Posting End Date: 6 Oct 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.
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.