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Senior Risk Analytics Consultant - Consumer Small Business Banking Risk
Location: San Francisco, CA
Employment Type: Full Time
Date Posted: 05/25/2022
Expire Date: 07/28/2022
Job Categories: Banking, Finance/Economics, Financial Services, Human Resources, Information Technology, Military, Real Estate, Sales, Quality Control, Research & Development
Job Description
Senior Risk Analytics Consultant - Consumer Small Business Banking Risk

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.

About this role:

Wells Fargo is seeking a Senior Risk Analytics Consultant to become a member of the Corporate Risk Consumer and Small Business Banking team.  As a member of this team, you will participate in strategic portfolio risk initiatives for the commercial real estate, practice finance and asset secured lending products.  More specifically, you will be evaluating and sizing risk and opportunities, supporting the development of credit underwriting and risk management strategies by balancing data-driven analytics and sound credit risk judgment, and managing credit exposure risk at the product and customer level.  You will work closely with partners within Credit Risk, Product, Operations, Technology and Data Solution groups to implement new enhancements and continuously optimize portfolio risk strategies.  To be effective in this position, you will need to have a good understanding of credit from a full lifecycle perspective, a broad perspective on risk management, a proven track record of using the results of your analysis to drive business decisions, and be fluent in both the key technical tools of credit risk decisioning and sound credit judgment. 

In this role, you will:

  • Monitor/report various credit, vintage, product, offer, channel, mix, delinquency, loss rate and performance information informing account management and/or underwriting strategy decisions
  • Provide monitoring and analytical support for monitoring the segment of small business customers with larger commercial credit exposures
  • Collaborate with subject matter experts within the Small Business Banking (SBB) Credit Risk team and the Small Business Banking line of business to monitor strategies, resolve issues and achieve goals
  • Effectively communicate with business partners and management to review, challenge and/or gain consensus on proposed business initiatives or credit risk strategy changes
  • Continuously look to improve the effectiveness and efficiency of credit risk strategies and origination, portfolio, and segment monitoring controls
  • Support regulatory reporting and governance requirements      
  • Strategize approach to maintain acceptable credit risk performance through the complete credit life cycle spectrum
  • Improve the team's report delivery tools and infrastructure
  • Identify and implement account treatments that mitigate credit risk exposures
  • Maintain close partnerships with Technology and Operations (underwriting & workout) teams to ensure flawless implementation of strategy change
  • Perform complex analysis to assure profitable growth while minimizing credit losses and other risk exposures

Required Qualifications, US:

  • 4+ years of Risk Analytics experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
  • 2+ years of experience with SAS or SQL, or other data management, reporting and query tools
  • Desired Qualifications:
  • Advanced degree in quantitative discipline such as economics, statistics, operations research, etc.
  • Knowledge and understanding of consumer and small business loan practices, policies, and procedures
  • Knowledge and understanding of secured lending products and its origination process
  • Familiarity with commercial credit and individual risk rating
  • Strong verbal and written communication skills
  • Excellent proficiency in programming and data manipulation using SQL, Python, Tableau
  • Intermediate Microsoft Office (Word, Excel, Outlook, and PowerPoint) skills
  • Good analytical skills with high attention to detail and accuracy
  • Ability to identify and evaluate trends, isolate root cause, and provide swift/thorough resolution
  • Knowledge and understanding of all phases of project development and testing lifecycle
  • Experience developing partnerships and collaborating with other business and functional areas
  • Ability to prioritize work, meet deadlines, achieve goals, and work under pressure in a dynamic and complex environment​

Job Expectations:

  • Ability to travel approximately 5% of the time

Posting Location:

  • 401 S Tryon Street – Charlotte, NC
  • 600 S 4th Street – Minneapolis, MN
  • 7001 Westown Pkwy – West Des Moines, IA
  • 2700 S Price Rd – Chandler, AZ
  • 1150 W Washington St – Tempe, AZ
  • 114 N Beaumont St – St Louis, MO
  • 1445 Ross Ave – Dallas, TX
  • 550 California At – San Francisco, CA
  • 3440 Walnut Ave - Fremont, CA (San Francisco Bay Area)

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.

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