דרושים Credit Officer ב-United States, Iowa, West Des Moines

As a Business Relationship Manager I (BRM) in Business Banking, you'll be helping to improve the lives of our clients and the well-being of their businesses through financial solutions, education, and advice. You will manage a portfolio of new and existing business clients by building relationships and providing financial advice with a focus on client experience and risk management.

Job Responsibilities

• Acquire, manage, and retain a portfolio of 100 – 130 business clients with annual revenue of $1 - $5 million for your assigned branches; provide business deposit and cash management solutions and manage business credit opportunities up to approximately $500,000
• Deliver an outstanding experience to Chase business clients by providing comprehensive and customized business banking solutions tailored to the financial needs and circumstances of their businesses
• Use knowledge of business, finance, banking, credit, and risk management to identify, recommend, and promote solutions that best serve the client and ensure the profitability of the portfolio
• Regularly conduct in-person calls with prospects, centers of influence (COIs), and existing clients at their places of business. Follow a disciplined relationship development process by identifying steps/strategies necessary to effectively maintain and build relationships. Regularly review processes and strategies with manager, making adjustments as needed
• Identify and pursue potential new business clients, looking for ways to cultivate long-term, primary banking relationships
• Identify the personal financial goals and needs of business clients; build collaborative relationships with partners across lines of business (Chase Wealth Management, Home Lending, Branch Teams) to connect clients with specialists who can help meet their financial needs
• Provide leadership by actively supporting your assigned branches and protect the firm by following sound risk management protocols and adhering to regulatory requirements

Required qualifications, capabilities, and skills

• Minimum of 1 year experience in a Business Banking Relationship Management role or related business lending experience
• General business experience and knowledge of business credit, understanding of core business products and services with understanding of general business practices and how business needs vary by industry/market
• Strong communication skills with individuals at all levels, internally and externally with the ability to build relationships with clients and internal partners
• Balance needs of clients with associated risks and interests of the firm and recognize an issue or problem and determine when to escalate or handle independently
• Determine and balance priorities on a daily basis to achieve business objectives with demonstrated ability to own problems on clients’ behalf and follow through with commitment
• Highly proficient in MS Office tools including Outlook, Excel, Word, and PowerPoint

Preferred qualifications, capabilities, and skills

• Bachelor’s degree in Finance or related field or equivalent work experience
• Strong current business network

In this role, you will:

• Supervise a team of individuals who are responsible for executing activities associated with conducting due diligence reviews of bank customers transactions

• Oversee a moderate degree of complexity and risk to determine appropriateness of processes to ensure timely completion, quality and compliance

• Own the client onboarding process and engage with clients, relationship team and third parties

• Mitigate risk through due diligence process

• Identify opportunities for process improvement and risk control development in less complex functions

• Work with due diligence management to implement department policies, procedures and reporting to maximum risk while providing exceptional customer experience

• Establish performance standards, evaluate performance and train and coach staff

• Make daily supervisory decisions and resolve issues related to team supervision, work allocation and daily operations under direction of due diligence management

• Leverage interpretation of policies, procedures, and compliance requirements

• Collaborate and influence all levels of professionals

• Lead a team to achieve objectives

• Manage allocation of people and financial resources for Due Diligence group

• Mentor and guide talent development of direct reports and assist in hiring talent

Required Qualifications:

• 2+ years of Due Diligence, risk management, client service, operations support, or business process management experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

• 1+ years of Leadership experience

Desired Qualifications:

• Strong Collaboration Skills : Demonstrated ability to work effectively across team and departments, fostering a culture of open communication and shared accountability

• Team Leadership Across Locations : Proven experience managing and motivating teams in multiple geographic locations, ensuring alignment and consistent performance

• Effective Prioritization : Skilled in balancing and executing competing priorities in a fast-paced environment, with a focus on delivering high-quality outcomes

• BSA/AML Expertise : Solid understanding of Bank Secrecy Act (BSA) and Anti-Money Laundering (AML) regulations, with practical expertise applying compliance standards in operational settings

• Commercial Bank Knowledge : Familiarity with the structure, products, and risk landscape of the Commercial Bank, including customer due diligence and regulatory expectations

• Pipeline Oversight & Prioritization: Demonstrated ability to manage high-volume pipelines, ensuring timely progression of cases and minimizing aging in workable status

Job Expectations:

• Knowledge of Cornerstone, ODPTR, SEWA, and Power BI

• Ability to work Monday – Friday; 8 hours between 7:00 and 5:30. Hybrid- 3 days in the office, 2 days remote

• This position is not eligible for Visa sponsorship

Locations:

• 800 S Jordan Creek Parkway West Des Moines, IA 50266

• 300 Highway 169 Saint Louis Park, MN 55426

Pay Range

Wells Fargo Recruitment and Hiring Requirements:

b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.

In this role, you will:

• Provide leadership in support of the Consumer Lending unsecured and small business banking products
• Analyze and assist with the approval of programs and policies with a measurable impact on the level of risk
• Identify and recommend opportunities for developing and implementing strategic initiatives and processes to drive the company credit culture, desire, and business performance
• Make decisions and resolve issues regarding assessing and predicting risk and performance through business analysis and modeling of Credit Risk to meet business objectives
• Interpret and develop policies and procedures for measurable impact on the level of risk taken in credit activities with low to moderate complexity within scope of responsibility
• Lead initiatives, analysis, and ongoing processes to drive credit culture, appetite, and business performance with input from senior leadership within a single function or line of business specific role
• Advise and counsel leadership
• Collaborate and influence all levels of professionals including senior managers
• Engage stakeholders and internal partners associated with the function
• Lead team to achieve objectives
• Interact with internal and external customers
• Manage allocation of people and financial resources for Credit Risk
• Mentor and guide talent development of direct reports and assist in hiring talent

Required Qualifications:

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

Desired Qualifications:

• Previous Consumer Lending, Credit Card, Small Business Banking or Risk Management leadership experience
• Strong background in unsecured lending credit policy and underwriting guidelines preferred
• Demonstrated management experience building and leading a high performing and engaged team
• Demonstrated experience in quantifying operational program effectiveness and identifying and implementing strategies to effectively manage risk
• Demonstrated ability to use metrics and data to make decisions that drive results.
• Strong ability to identify potential industry challenges and opportunities in order to proactively assess and manage credit risk
• Exceptional problem solving and analytical skills with proven ability to turn findings into executable plans
• Proven and demonstrated leadership skills including relationship building, partnering and collaboration skills with clear ability to influence, gain buy-in and negotiate with a diverse group of key businesspartners/stakeholdersincluding senior management
• Excellent written and verbal communication skills with experience presenting to senior management and ability to articulate key messages around risk, issues, customer impacts, etc.
• Demonstrated change leadership skills with ability to lead through change impacts ​

Job Expectations:

• Ability to work onsite at one of the posted locations under a hybrid model.

Posting Locations:

• West Des Moines, IA
• Minneapolis, MN
• Charlotte, NC
• Tempe, AZ
• Dallas, TX

Pay Range

Wells Fargo Recruitment and Hiring Requirements:

b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.