North Carolina

Credit Portfolio Consultant 4 (Small Business Lending Originations)

Job description          

Job Description
At Wells Fargo, we want to satisfy our customers’ financial needs and help them succeed financially. We’re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you’ll feel valued and inspired to contribute your unique skills and experience. Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you. Corporate Risk helps all Wells Fargo businesses identify and manage risk. The team focuses on several key risk types, including conduct, credit, financial crimes, information security, interest rate, liquidity, market, model, operational, regulatory compliance, reputation, strategic, and technology risk.
The group provides leadership, enhances communications, assists with problem identification and solutions, and shares best practices. In addition, the group provides an enterprise-wide view of risk, assists management and our Board of Directors in identifying and monitoring risks that may affect multiple lines of business, and takes appropriate action when business activities exceed the risk tolerance of the company. In this role, you will help us deliver on our vision and build lifelong relationships with our customers. You also will demonstrate leadership through contributing to a company culture that supports customers in achieving their financial goals, team members in developing their careers, and communities in continuing to thrive. As part of a team that serves one in three American households, you will play a vital role in living our commitment to the highest ethical standards and maintaining the valued trust of our customers and communities. Wells Fargo Small Business Lending (SBL) is the country’s leading small business lender with a full product suite to serve credit needs of small business owners. These products include line of credit, business cards, term loans, commercial real estate products. The business operates with an entrepreneurial spirit and is dedicated to operational excellence, team member development and redefining possibilities. SBL is a technically sophisticated, entrepreneurial organization committed to applying the most advanced mathematical and data-driven technologies, in conjunction with strong judgmental underwriting discipline and expertise to small business lending. The SBL Credit Risk Management Team is seeking a highly motivated and experienced risk professional who loves to solve business questions; impact the bottom line of business by hands-on driven actions through systematic database solutions. An individual who is results driven, goal oriented and interested in making a significant impact will find this opportunity both exciting and challenging. The Credit Portfolio Consultant 4 will participate in strategic portfolio risk initiatives for the commercial real estate (BREF) and asset secured lending (ASL) products. More specifically, you will be evaluating and sizing risk and opportunities, developing credit underwriting and risk management strategies by balancing data-driven analytics and sound credit risk judgment, and managing credit exposure risk at the product and customer level. You will work closely with partners within the immediate team, Risk, Product, Operations, and Technology to implement new enhancements and continuously optimize portfolio risk strategies. To be effective in this position, you will need to have a good understanding of credit from a full lifecycle perspective, a broad and strategic perspective on risk management, a proven track record of using the results of your analysis to drive business decisions, and be fluent in both the key technical tools of credit risk decisioning and sound credit judgment. The main responsibilities include: Lead and support key credit risk strategies and initiatives for the BREF/ASL Risk Team responsible for ensuring credit originations of commercial real estate secured and asset secured lending teams conforms to risk appetite, credit policies and loan origination procedures. Represent the BREF Risk Team and provide subject matter expertise on commercial underwriting and BREF/ASL strategies during reviews and audits. Lead and support key risk monitoring activities for the BREF Risk Team associated with monthly credit originations, key risk programs in place today and future programs being implmented. Lead and support various risk strategies to ensure effective controls and risk governance are in place for real estate secured and non-real estate secured credit originations. Provide support to partners regarding SBL credit policy and application to new originations and renewals Provide insight and guidance to BREF risk team members on analytics and reporting in a matrixed environment. Excellent partnership and communication skills with BREF Risk Team Members as well as SBL Risk Team Members and various key stakeholders in SBL operations. Provide limited credit transaction support when necessary. #WFRiskJob
#ESGrisk **Charlotte, Phoenix and Chandler will be the only locations considered.
Required Qualifications
8+ years of risk experience 5+ years of commercial underwriting experience
Desired Qualifications
Knowledge and understanding of underwriting or evaluating commercial credit Excellent verbal, written, and interpersonal communication skills Ability to present to multiple levels of management Ability to identify and evaluate trends, isolate root cause, and provide swift/thorough resolution Intermediate Microsoft Office (Word, Excel, Outlook, and PowerPoint) skills
Other Desired Qualifications
Strong background in commercial /small business loan products, practices, policies, and procedure Experience using business knowledge and critical thinking skills to deliver upstream and downstream project impacts. Knowledge and familiarity with project development and testing life-cycle Knowledge and familiarity with systems that support commercial credit products Experience developing partnerships and collaborating with other business and functional areas Knowledge of and familiarity with understanding key factors impacting credit offerings, including credit risks and regulatory requirements Ability to prioritize work, meet deadlines, achieve goals, and work under pressure in a dynamic and complex environment
Job Expectations
Ability to travel up to 5% of the time

All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

Relevant military experience is considered for veterans and transitioning service men and women.

Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.
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