Senior Lead Credit Risk Officer - Auto Originations Lending Risk

Company: Wells Fargo
Location: West Des Moines
Posted on: September 23, 2022

Job Description:

About this role:Wells Fargo is seeking a Senior Lead Credit Risk Officer to join our Auto Originations Lending Risk Team. As a second line of defense team member, provide direct oversight of the Wells Fargo Auto funding process. Will work closely with the credit policy strategy team to ensure that funding controls are in place and drive consistent risk management. 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 or companywide
• 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 report on asset quality, portfolio trends and credit policy exception trends
• Approve credit transactions and participate in acquisition due diligence
• Approve and provide credible 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
• 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 topicsRequired Qualifications, US:
  • 7+ years of Credit Risk experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, educationDesired Qualifications:
    • Prior experience in a operations group, specifically experience with building a control environment either in underwriting or funding groups
    • Prior experience with originations or new account onboarding
    • Ability to influence, guide, and credibly challenge senior leadership roles
    • Ability to make timely and independent judgment decisions while working in a fast-paced and results-driven environment
    • Ability to take initiative and work independently with minimal supervision in a structured environment
    • Ability to negotiate, influence, and collaborate to build successful relationshipsLocations:
      • Charlotte, NC
      • Des Moines, IA
      • Minneapolis, MN
      • Dallas, TX
      • Wilmington, DE
      • Tempe, AZ
      • Preferred location(s) listed above. Other locations within the Wells Fargo footprint may be considered for current Wells Fargo employees.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, 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.

Keywords: Wells Fargo, West Des Moines , Senior Lead Credit Risk Officer - Auto Originations Lending Risk, Other , West Des Moines, Iowa