North Carolina

Credit Portfolio Manager 2 (Small Business Lending Analytics and Controls Manager)

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. At Wells Fargo, our vision is to satisfy all our customers’ financial needs and help them succeed financially. 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 Manager 2 will lead a team of credit portfolio consultants and provide ongoing coaching and feedback, recognize and develop team members, identify and manage risks and complete daily management tasks. In this role, the ideal candidate will utilize their past credit risk management experience to guide the analytical work of the team to support the risk initiatives for the commercial real estate (BREF) and asset secured lending (ASL) products. More specifically, you will be partnering with peers within the team and SBL Risk to understand the analytic needs and then coach the team in completing the work that will be used to evaluate and size risk and opportunites, develop credit underwriting or problem credit risk strategies and manage credit exposure risk at the product and customer level. To be effective in this position, you must be somone who enjoys coaching and sharing your experience with others, have a good understanding of credit from a full lifecycle perspective and a broad perspecitve on risk management, a proven track record of using the results of analysis to drive business decisions, and be fluent in the key technical tools of credit risk decisioning. As a Team Member Manager, you are expected to achieve succes by leading yourself, your team and the business. Specifically you will: Lead your team with integrity and create an environment where your team members feel included, valued and supported to do work that energizes them. Accomplish management responsibilities which include sourcing and hiring talented team members, providing ongoing coaching and feedback, recognizing and developing team members, identfying and managing risks, and completing daily management tasks. Partner closely within the BREF/ASL Risk Team to understand and prioritize analytical and monitoring needs to support business and credit risk initiatives. Partner closely with other SBL Risk team members, specifically those supporting data infrastructure and reporting, to ensure the data needs of the BREF/ASL Team are sufficient to adequately support the analtyical needs of the team. Lead and support various risk strategies and monitoring activies to ensure effective controls and risk governance are in place for real estate secured and non-real estate secured credit originations and portfolio management strategies. Design and perform diverse range of analysis activities to assure profitable growth while minimizing credit losses and other elevated risk exposures throught the credit life cycle. Monitor and report out various credit, product, channel and credit policy exception and performance information imforming BREF Risk Management of adherence to stragegic decisions and goals. Excellent partnership and communication skills with BREF Risk Team Members as well as SBL Risk Team Members and various key stakeholders in SBL operations. Create and monitor risk analytic reports performing analytical queries of wide range of credit data and assess adherence to various credit risk governance programs. Provide system design support for newly defined credit risk controls within the loan originations and collections platforms. #WFRiskJob
#ESGrisk **Charlotte will be the only location considered.
Required Qualifications
7+ years of risk experience 2+ years of management experience 2+ years of SQL or SAS experience
Desired Qualifications
A Master's degree or higher in a quantitative discipline 4+ years of management experience Ability to present to multiple levels of management Excellent verbal, written, and interpersonal communication skills Outstanding problem solving and analytical skills with ability to turn findings into strategic imperatives
Other Desired Qualifications
Strong risk management leadership skills Proven track record of team member development and coaching ability Experience with managing remote team members Background in consumer and/or small business loan products, practices, policies, and procedures Strong analytical skills including analyzing complex data Ability to identify and evaluate trends, isolate root cause, and recommend effective solutions Knowledge and familiarity with project development and testing lifecycle Knowledge and familiarity with originations, system of record and collections platforms 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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