In this role, you will:
- Participate in less complex initiatives and identify opportunity for risk mitigation strategies within Credit Risk
- Lead, develop, and implement strategic initiatives and processes to drive the company credit culture, appetite, and business performance.
- Review and analyze reports to assess and predict risk and monitor performance that require research, evaluation, and selection of alternatives, and exercise independent judgment to guide medium risk deliverables.
- Receive direction from leaders.
- Exercise independent judgment while developing the knowledge to understand function, policies, procedures, and compliance requirements.
- Collaborate and consult with peers, colleagues, and managers to resolve issues and achieve goals.
Required Qualifications:
- 6+ months of Credit Risk experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education.
Desired Qualification:
- 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.
- Escalate issues identified within account reviews for proper evaluation and vetting.
- May lead quality reviews, which involves obtaining review data, developing test scripts, analyzing review scope, prioritizing work, and assigning reviews to peers.
- 3-7 years of experience in end-to-end underwriting .
- Experience in reviewing and analyzing all the 4C’s of underwriting and should have the ability to make the credit decision.
- End-to-end underwriting i.e. live underwriting/post close underwriting/post funding quality of conforming and non-conforming loan applications .
- 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.
- Leadership skills including coaching, training, and mentoring.
- Ability to work effectively in a team environment and across all organizational levels, where flexibility, collaboration, and adaptability are important to drive change.
Job Expectations:
- Experience of working across one or more geographic territories or regions
- Knowledge and understanding of market and counterparty risk management.
- 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.
- Shift Timings: 1:30 PM to 10:30 PM
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Wells Fargo Recruitment and Hiring Requirements:
b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.