About this role:

Wells Fargo is seeking a Lead Credit Risk Officer to serve as part of the company's second line of defense and Independent Risk Management team leading the design and management of a highly targeted independent credit review (oversight) capability to assess the quality of lending and on-going management of credit risk within the Bank, including adherence to risk appetite, credit policy and regulation. This role may include jobs, tasks and projects which approve and provide credible challenge to line of business credit products, programs, transactions, and policies, and participate in acquisition due diligence.

In this role, you will:

• Lead complex initiatives including those that are cross-functional with broad impact and act as key participant in driving the company credit culture, desire, and business performance for Credit Risk.
• Review and analyze complex strategies, programs and policies with a direct and significant impact on credit risk appetite and culture.
• Manage the credit strategies for centralized Personal Lending Account Management and support the decision infrastructure for Personal Lending Risk team.
• 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 and external customers.
• Collaborate with business for oversight of risk management.
• Interact with Audit, Legal, external agencies, and regulatory bodies on risk related topics.

Required Qualifications, US:

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

Desired Qualifications:

• 5+ years of SAS and/or SQL experience.
• 5+ years of credit risk management/analytics experience for consumer lending products.
• Knowledge and understanding of databases and data mining techniques.
• Self-motivated with strong analytical and problem-solving skills.
• Strong operational and execution skills, with keen attention to detail and experience working horizontally across the organization.
• Strong interpersonal, influence and communications skills.
• Master's degree in a Quantitative or Advanced Analytics discipline.

Job Locations:

• 7001 Westown Parkway, West Des Moines, Iowa
• 505 Carr Road, Wilmington, Delaware

Job Expectations:

• Ability to work at one of the approved locations in the job posting.
• Preferred location(s) listed. Other locations within the Wells Fargo footprint may be considered for current Wells Fargo Corporate Risk employees.
• Willingness to comply with our hybrid work model; working from a Wells Fargo facility at least three days a week, with the flexibility to work remotely two days a week.

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, age, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

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.