Senior Credit Risk Specialist - Auto Lending Risk

About This Role
Wells Fargo is seeking a Senior Credit Risk Specialists to support Strategy and Risk Oversight function for Auto portfolio. This is a critical second line of defense function in the Chief Risk Officer (CRO) organization, aligned to Wells Fargo Auto. This position is focused on helping the business efficiently achieve its goals while effectively managing risks.
In This Role, You Will

• Review and analyze moderately complex processes and projects, business, operational, or technical challenges that require an in-depth evaluation of variable factors
• Interact with internal customers
• Collaborate and consult with peers, colleagues and managers to resolve issues and achieve goals.
• Lead moderately complex initiatives and identify opportunity for risk mitigation strategies within Credit Risk
• Contribute to credit performance, potential or emerging risks
• Receive direction from leaders
• Independently test and validate the credit risk strategies are functioning as intended.
• Interact with Audit, Legal and Compliance on risk related topics
• Exercise independent judgment while developing the knowledge to understand function, policies, procedures, and compliance requirements
• Leverage analytical tools such as SAS and SQL to solve complex business problems; and create automated routines to proactively detect data drifts and performance migrations.
• Collaborate and consult with peers, colleagues and managers to resolve issues and achieve goals
• Lead moderately complex initiatives and identify opportunity for risk mitigation strategies within Servicing Risk.
• Exercise independent judgment while developing the knowledge to understand function, policies, procedures, and compliance requirements Interpret and develop policies and procedures for level of risk taken in credit activities.
• Provide ad hoc horizontal risk and control and/or credit governance work, i.e. Delegated Credit Approval Authority support.
• Collaborate with business for oversight of risk management and provide credible challenge of business strategies, processes, and controls.

Required Qualifications, US:

• 4+ years of Credit Risk experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

Desired Qualifications:

• Proven ability to conduct complex data analysis and solve business problems.
• Bachelor's degree in quantitative or business-related field (ex. Economics, Finance, Mathematics, Business Administration.). Advanced degree preferred.
• Working in a first or second-line risk or control role and leading efforts related to identification and evaluation of risks and controls as part of RCSA program.
• Experience with Credit Policy monitoring and governance.
• Strong collaboration skills - Demonstrated ability to successfully manage strategic issues with business partners.
• Excellent communication skills and the ability to develop strong relationships.
• Experience leveraging data analytical tools (ex. SAS, SQL, Python)
• Strong Microsoft Excel, Word, and PowerPoint skills.
• Demonstrated track record of extracting, analyzing and synthesizing data into well-articulated business insights that can be clearly communicated to a variety of partners.

Job Expectations:

• Desired locations: Dallas, TX; Minneapolis, MN; Tempe, AZ; West Des Moines, IA; and Charlotte, NC
• This position offers a hybrid work schedule
• Preferred location(s) listed above. Other locations within the Wells Fargo footprint may be considered for current Wells Fargo Corporate Risk employees

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, age, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.
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.
Drug and Alcohol Policy
Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy to learn more.
Reference Number
R-269522-1