Senior Lead Credit Risk Officer

4 weeks ago

Charlotte, United States WELLS FARGO Full time
About this role

Wells Fargo is seeking a Senior Lead Credit Risk Officer to join the Consumer Credit Risk organization within Corporate Risk who will oversee Unsecured Lending products. They will leverage their experience and knowledge of credit risk management, business functions, technology solutions, products, and services to provide independent, credit risk leadership and oversight of the businesses.

This role will interact with executive and senior management within the business aligned Chief Risk Officer (CRO) teams, specifically focused on credit risk management and oversight. They will provide leadership to a matrixed team, who together are responsible for ensuring credit policies, programs, products and strategies are within business and company credit risk appetite, are well controlled and monitored to manage the risk, and follow governance and enterprise program requirements, as applicable.

In this role, you will:

  • Advise senior leadership to develop and implement strategies, programs and policies with a direct and significant impact on credit risk appetite
  • Lead the strategy and resolution of highly complex and unique challenges to drive the company credit culture, appetite, and business performance requiring in-depth evaluation across multiple areas
  • Deliver solutions that are long-term, large-scale and require vision, creativity, innovation, advanced analytical and inductive thinking, and coordination of highly complex activities and guidance to others
  • Monitor, assess and provide oversight of asset quality, portfolio trends and credit policy exception trends
  • Review and provide challenge of line of business credit products, programs, and policies
  • Provide vision, direction and expertise to senior leadership on implementing innovative and significant business solutions
  • Review credit transactions and participate in acquisition due diligence
  • 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, compliance, external agencies, and regulatory entities on risk related topics
  • Be an impactful team representative in senior leadership forums
Required Qualifications
  • 7+ years of Credit Risk experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
Desired Qualifications

  • Experience as a Senior Credit Officer or experience in leading a credit risk team

  • Credit risk management experience in one or more of the following businesses: Consumer and/or Small Business Card, Private Label Credit Card or Personal Unsecured Lending

  • Credit risk experience across the credit life cycle (marketing, originations, account management, collections/loss mitigation, recovery)

  • Experience with credit evaluation (quality assurance, risk asset review, underwriting, portfolio management, etc.)

  • Proven ability to lead in a highly matrixed environment across all organizational levels, particularly senior management

  • Strong risk background and broad familiarity with regulation and risk requirements within a consumer lending business with an emphasis on home lending

  • Demonstrates an ability to challenge senior leadership and influence decision-making

  • Executive presence that will enable effective partnering with business aligned CRO's and CEO's in driving strategic credit decisions and resolving credit related issues

  • Knowledge of industry solutions and best practices including direct experience with decision management software

  • Experience communicating and presenting complex information to multiple levels of the organization including senior executive-level leaders

  • Flexibility and ability to thrive in a fast-paced, rapidly changing environment

Posting Locations
  • 401 S. Tryon Street - Charlotte, North Carolina
  • 800 S. Jordan Creek Pkwy - West Des Moines, Iowa
  • 2700 South Price Road - Chandler, Arizona
  • 600 S. 4th Street - Minneapolis, Minnesota
Job Expectations
  • Preferred locations listed above
  • This position currently offers a hybrid work schedule
Posting End Date

27 May 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.

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