Senior Credit Risk Specialist / Unsecured Lending

At Wells Fargo, we are looking for talented people who will put our customers at the center of everything we do. We are seeking candidates who embrace diversity, equity, and inclusion in a workplace where everyone feels valued and inspired. Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you. Learn more about the career areas and lines of business at wellsfargojobs.com .

**About this role:**

Wells Fargo is seeking a Senior Credit Risk Specialist within the company's Corporate Risk group. Corporate Risk is the company's second line of defense for risk management. The Senior Credit Risk Specialist role will be part of the Small Business Card Credit Risk team.

**In this role, you will:**

+ Lead moderately complex initiatives and identify opportunity for risk mitigation strategies within Small Business Card Credit Risk

+ Perform quantitative analytics using programming tools (SQL, SAS, Tableau and/or Python, R) to analyze data from a variety of sources to develop Credit Risk strategies

+ Review and analyze complex strategies, programs and policies with a direct and significant impact on risk appetite and culture

+ Collaborate and consult with peers, colleagues and managers to resolve issues and achieve goals

+ Interact with internal and external customers

+ Exercise independent judgment while developing the knowledge to understand function, policies, procedures, and compliance requirements

+ Collaborate with business for oversight of risk management

+ Interact with Audit, Legal, external agencies, and regulatory bodies on risk related topics

**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

**Desired Qualifications:**

+ 3+ years of SAS and/or SQL programming experience

+ Experience in Python, Tableau

+ Experience in combining/analyzing data from multiple large data sources to develop and implement credit control strategies. Familiarity with credit card industry is a plus

+ Excellent verbal, written, and interpersonal communication skills

+ Ability to articulate complex concepts in a clear manner

+ Ability to prioritize work, meet deadlines, achieve goals, and work under pressure in a dynamic and complex environment

+ Intermediate Microsoft Office (Word, Excel, Outlook, and PowerPoint) skills

+ Proactive with results driven attitude, and strong problem solving skills

+ Well organized, attention to detail

**Posting Locations:**

+ 401 S Tryon Street, Charlotte, North Carolina

+ 2200 Concord Pike, Wilmington, Delaware

**Job Expectations:**

+ Ability to work at the approved location(s) in the job posting

+ This position offers a hybrid work schedule

***Job posting may come down early due to volume of applicants.**

**Posting End Date:**

23 Sep 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.

**Company:** WELLS FARGO BANK

**Req Number:** R-397256-4

**Updated:** Fri Sep 20 02:42:46 UTC 2024

**Location:** MINNEAPOLIS,Minnesota