Consumer Credit Officer

Employment Type

: Full-Time

Industry

: Miscellaneous



Job Description Important Note: During the application process, ensure your contact information (email and phone number) is up to date and upload your current resume when submitting your application for consideration. To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message. In order to receive text message invitations, your profile must include a mobile phone number designated as 'Personal Cell' or 'Cellular' in the contact information of your application. 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. Wells Fargo Auto Credit Risk Alternate Channel Strategy team is looking for a Consumer Credit Offer for creating and launching innovative, new platforms, credit process and criteria for strategic partners or dealer relationships Key duties and responsibilities of this position may include, but are not limited to the following: * Set up and maintain unique, innovative programs for Auto Originations that are distinct from our normal indirect auto originations process for strategic partners and dealer relationships * Develop credit strategies and criteria for new capabilities to support Auto consumer's increasing online shopping experience * Perform complex, multivariate analysis to develop empirically derived credit solutions for strategic partners and dealer relationships * Partner with Auto Credit risk peer groups, Underwriting team, and other key business partners; Provide strategic thinking and thought leadership to drive timely completion of objectives Required Qualifications * 7+ years of experience in risk role * 4+ years of SAS experience Desired Qualifications * A BS/BA degree or higher * Excellent verbal, written, and interpersonal communication skills Other Desired Qualifications * Prior Auto lending experience * Demonstrated capabilities in collaboration, relationship building abilities to drive decision making through a consensus building approach * 4+ years in a role related to credit risk with a demonstrated innovative problem solving skills in evaluating different programs, platforms, and processes to create a new process * Ability to work and influence successfully based on findings, and build effective business partnerships at all levels. * An understanding of originations credit and loss mitigation including testing and controls. * Understanding of both analytic/scored and judgmental decisioning environments * Ability to direct other analysts in creating credit criteria to support the new platform/process Street Address AZ-PHX-Central Phoenix: 100 W Washington St - Phoenix, AZ AZ-PHX-Northwest Phoenix: 2222 W Rose Garden Ln - Phoenix, AZ AZ-Chandler: 2700 S Price Rd - Chandler, AZ IA-Des Moines: 206 8th St - DES MOINES, IA IA-West Des Moines: 7001 Westown Pkwy - West Des Moines, IA NC-Charlotte: 128 South Tryon Street - Charlotte, NC NC-Charlotte: 301 S College St - Charlotte, NC NC-Charlotte: 401 S Tryon St - Charlotte, NC NC-Charlotte: 1525 W Wt Harris Blvd - Charlotte, NC SC-Fort Mill: 3480 State View Blvd - Fort Mill, SC NY-New York: 150 E 42nd St - New York, NY NJ-Summit: 190 River Rd - Summit, NJ TX-DAL-Downtown Dallas: 1445 Ross Ave - Dallas, TX TX-Irving: 250 E John Carpenter Freeway - Irving, TX TX-Plano: 4975 Preston Park Blvd - Plano, TX Disclaimer 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. Benefits Summary Benefits Visit https://www.wellsfargo.com/about/careers/benefits for benefits information.

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