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Wells Fargo Consumer Credit Senior Associate - Home Lending in West Des Moines, Iowa

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 are looking for talented people who will put our customers at the center of everything we do. We are seeking candidates who embrace diversity, equity and inclusion in a workplace where everyone feels valued and inspired.

Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.

As the company's second line of defense, Corporate Risk — or Independent Risk Management — provides independent oversight of risk-taking activities. Independent Risk Management establishes and maintains Wells Fargo's risk management program and provides oversight, including challenges to and independent assessment of, the frontline's execution of its risk management responsibilities. We manage risk according to the Risk Management Framework and ensure all employees understand their individual accountability for managing risk.

The Consumer Credit Senior Associate will be responsible for credit risk analysis, monitoring and reporting for the Home Lending originations related to credit policy exceptions and identification. The individual will work closely with business line and risk management within Home Lending and requires an ability to develop partnerships across functional areas. The Consumer Credit Senior Associate will be responsible for executing the Daily Exception Control process and the Exceptions Control Monthly Dashboard.

Specifically, the Consumer Credit Sr Associate will be responsible for but is not limited to:

• Ensure the Daily Exception Control is executed daily and without error

• Complete analysis to identify and recommend improvements in the daily exception control results

• Create Monthly Exceptions Control Dashboard to be provided to HL Credit Risk and business leaders to monitor accuracy of exception identification, including partnering with business to determine plans to reduce errors as needed

• Provide subject matter expertise and lead cross-functional meetings with other HL Credit Risk and HL Underwriting and Credit Administration teams to monitor volume of exception identification errors and root cause of these errors

• Utilize credit policy knowledge to confirm daily exceptions control logic appropriately identifies exceptions

• Provide ad hoc analysis for Home Lending HFI originations to monitor credit quality and identify potential emerging risks

• Engage with internal oversight groups

LOCATION: Candidate must be located in one of the listed site locations. Position is currently remote; however, candidate will be required to work on site when Wells Fargo returns to standard operating model.

Please note: Based on the volume of applications received, this job posting may be removed prior to the indicated close date. If you do not apply prior to the closing of this posting, we encourage you to apply for other opportunities within Wells Fargo.

Required Qualifications

  • 5+ years of experience in risk role

  • 3+ years of SQL or SAS experience

Desired Qualifications

  • 3+ years of mortgage risk experience

Other Desired Qualifications

•Prior experience in accessing loan origination systems and down stream data marts to reconcile data and complete loan level research

•Strong analytical capabilities

•Excellent verbal and written communication and presentation skills

•Adaptability and flexibility

•Experience in developing partnerships with various business and functional areas

•Demonstrated excellence at developing of sound credit risk processes and managing multiple initiatives, and when needed, evaluating and enhancing existing processes

•Dedicated, enthusiastic, driven, and performance-oriented; possesses a strong work ethic

Job Expectations

  • Ability to travel up to 5% of the time

Salary Information

The salary range displayed below is based on a Full-time 40 hour a week schedule.

IA-West Des Moines: Min: $87,500 Mid: $125,000

AZ-PHX-Northwest Phoenix: Min: $87,500 Mid: $125,000

MN-Minneapolis: Min: $87,500 Mid: $125,000

NC-Charlotte: Min: $87,500 Mid: $125,000

TX-Plano: Min: $87,500 Mid: $125,000

Street Address

IA-West Des Moines: 7001 Westown Pkwy - West Des Moines, IA

AZ-PHX-Northwest Phoenix: 2222 W Rose Garden Ln - Phoenix, AZ

MN-Minneapolis: 2701 Wells Fargo Way - Minneapolis, MN

NC-Charlotte: 401 S Tryon St - Charlotte, NC

TX-Plano: 4975 Preston Park Blvd - Plano, TX


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


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Company: Wells Fargo

Req Number: 5589386-1

Updated: 2021-07-24 01:49:29.838 UTC

Location: West Des Moines,IA