Wells Fargo Credit Risk Associate 

India, Karnataka, Bengaluru 

931615603

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
• 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
• 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
• Participate in less complex initiatives and identify opportunity for risk mitigation strategies within Credit Riskperformance
• 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
• Interact with internal customers

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 Qualifications:

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

Wells Fargo Recruitment and Hiring Requirements:

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