About this role:

Wells Fargo is seeking a Lead Business Credit Analyst to provide analytical leadership in support of Home Lending Portfolio Credit Management. This role will lead quantitative analyses related to credit strategy and policy impacts, evaluate portfolio and originations performance, identify emerging risks and opportunities, and deliver insights that inform business and risk management decisions. The position requires strong analytical expertise, collaboration across multiple business functions, and the ability to communicate complex findings to senior leaders.

In this role, you will:

• Apply advanced Business Credit and analytical expertise to evaluate complex strategies, programs, policies, and guidelines that significantly affect Home Lending portfolio performance, credit risk, and business objectives.
• Lead quantitative impact assessments of proposed credit strategy, policy, and guideline changes using historical performance data, origination characteristics, business forecasts, scenario analysis, and external benchmarks, as appropriate.
• Develop and communicate complex analytical findings, insights, and recommendations to senior leaders and other internal stakeholders in a clear, concise, and actionable manner.
• Analyze Home Lending origination and portfolio data, credit risk metrics, and key risk indicators to identify trends, concentrations, emerging risks, opportunities, and performance drivers; investigate material changes, assess business implications, and escalate matters when appropriate.

Required Qualifications:

• 5+ years of Business Credit experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
• 3+ years of experience performing quantitative analysis, impact assessments, scenario analysis, forecasting, or comparable credit risk evaluations
• 3+ years of experience analyzing large and complex datasets using SAS, SQL, Python, or comparable analytical tools

Desired Qualifications:

• Experience analyzing credit strategy, policy, or underwriting guideline changes and evaluating potential impacts to volume, portfolio performance, credit risk, or risk appetite.
• Ability to communicate complex analytical information clearly and concisely and influence and collaborate effectively across technical and nontechnical audiences and multiple business functions.
• Strong analytical, problem-solving, and critical-thinking skills with the ability to evaluate multiple quantitative and qualitative factors.
• Experience developing executive reporting, dashboards, and actionable analytical insights and recommendations for senior management.
• 2+ years of experience in mortgage lending, mortgage credit risk, mortgage portfolio management, or mortgage originations analytics.
• Knowledge of mortgage underwriting guidelines, agency requirements, and key credit risk drivers.

Job Expectations:

• This position requires compliance with all mortgages regulatory requirements and Wells Fargo’s compliance policies related to these requirements. Successful candidates must also meet ongoing regulatory requirements including additional screening and required reporting of certain incidents.
• This position is not eligible for Visa sponsorship.
• This position offers a hybrid work schedule. Telework or remote work setting is not available. Preferred location(s) listed below. Other locations within the Wells Fargo footprint may be considered

• Relocation assistance is not available for this position.

Posting Locations:

• Charlotte, NC -1525 W WT Harris Blvd
• Charlotte, NC-550 S. Tyron
• Des Moines, IA-800 S Jordan Creek Pkwy
• Minneapolis, MN- 600 Wells Fargo
• Irving, TX-401 Los Colinas Blvd 
• Tempe, AZ -1150 W. Washington
• Chandler, AZ- 2700 S Price Rd
• Columbus, OH- 3075 Loyalty Circle

Posted Pay Range:

• MN: $153,000-239,000
• Other Locations: $139,000 to 217,000

Pay Range
 

Posting End Date:

*Job posting may come down early due to volume of applicants.