"Alerted.org

About this role:

Wells Fargo is seeking a Senior Credit Risk Specialist in the Merchant Services team as part of Corporate Risk and will primarily focus on managing credit risk over First Line activities including credit approval of new customer activity, portfolio management and processing activities.

A successful candidate will have Commercial lending experience with subject matter expertise in fundamental cash flow analysis, understanding credit risks in changing economic environments both on a micro and macro level; understanding Commercial Credit policy, procedures and controls. This individual will need to possess strong credit and data analysis skills, superb communication, project management experience and demonstrated success driving innovative solutions to analytic challenges.

In this role, you will:

+ Review moderately complex commercial credit underwriting transactions (new business underwriting, annual reviews, modifications, etc.)

+ Contribute to commercial credit performance, risk assessment and risk mitigation

+ Review and analyze moderately complex processes and projects, business, operational, or technical challenges that require an in-depth evaluation of variable factors related to commercial credit and underwriting

+ Receive direction from leaders

+ Exercise independent judgment while developing the knowledge to understand function, policies, procedures, and compliance requirements

+ Collaborate and consult with peers, colleagues and managers to resolve issues and achieve goals

+ Interact with internal customers

Required Qualifications:

+ 4+ years of Credit Risk experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

Desired Qualifications:

+ Commercial lending experience with subject matter expertise in fundamental cash flow analysis, understanding credit risks in changing economic environments both on a micro and macro level.

+ Understands Commercial Credit Policy, Procedures and Controls around Commercial Credit Policy.

+ Strong fundamentals with reading and analyzing financial statements from medium to large businesses.

+ Commercial lending experience with subject matter expertise in fundamental cash flow analysis, understanding credit risks in changing economic environments both on a micro and macro level.

+ A BS/BA degree or higher in business, accounting, finance or economics or similar experience through training or work experience.

+ Excellent collaboration, communication and project management skills.

+ Ability to clearly and concisely communicate (both written and verbal) with business partners, peers and senior management and lead discussions.

+ Outstanding problem-solving skills with the ability to exercise independent judgment to identify and resolve problems.

+ Ability to prioritize work, meet deadlines, achieve goals, and work under pressure in a dynamic and complex environment; strong organizational, multi-tasking, and prioritizing skills.

+ Ability to work independently with minimal direction; ability to exercise independent judgment and apply prudent risk mitigation principles.

+ Intermediate Microsoft Office (Word, Excel, Outlook, and PowerPoint) skills.

Posting Locations:

+ 401 S. Tryon Street - Charlotte, North Carolina

+ 600 Wells Fargo - Minneapolis, Minnesota

+ 1150 W. Washington - Tempe, Arizona

+ 800 S. Jordan Creek Pkwy - West Des Moines, Iowa

+ 1445 Ross Ave - Dallas, Texas

Job Expectations:

+ Ability to work at one of the approved locations in the job posting.

+ This position currently offers a hybrid work schedule.

+ This role is not VISA sponsorship eligible.

Pay Range

Reflected is the base pay range offered for this position. Pay may vary depending on factors including but not limited to achievements, skills, experience, or work location. The range listed is just one component of the compensation package offered to candidates.

$84,000.00 - $149,400.00

Benefits

Wells Fargo provides eligible employees with a comprehensive set of benefits, many of which are listed below. Visit Benefits - Wells Fargo Jobs (https://www.wellsfargojobs.com/en/life-at-wells-fargo/benefits) for an overview of the following benefit plans and programs offered to employees.

+ Health benefits

+ 401(k) Plan

+ Paid time off

+ Disability benefits

+ Life insurance, critical illness insurance, and accident insurance

+ Parental leave

+ Critical caregiving leave

+ Discounts and savings

+ Commuter benefits

+ Tuition reimbursement

+ Scholarships for dependent children

+ Adoption reimbursement

Posting End Date:

15 Jun 2025

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

We Value Equal Opportunity

Wells Fargo is an equal opportunity employer. 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.

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.

Applicants with Disabilities

To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo (https://www.wellsfargojobs.com/en/diversity/disability-inclusion/) .

Drug and Alcohol Policy

Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy (https://www.wellsfargojobs.com/en/wells-fargo-drug-and-alcohol-policy) to learn more.

Wells Fargo Recruitment and Hiring Requirements:

a. Third-Party recordings are prohibited unless authorized by Wells Fargo.

b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.

**Req Number:** R-446471