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Wells Fargo Consumer Credit Officer (Auto Originations) 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.

Wells Fargo Auto Originations Credit Risk Strategy team is looking for a Consumer Credit Officer to support Acquisitions Credit Risk Strategy. Primary responsibility will be to lead the initiative to incorporate new analytical data (Alternate Credit Data, Enhanced Bureau Data, and internal Wells Fargo Data) in our credit decision process. This will not only involve providing insights and recommendations through analytics to incorporate in credit strategies, but also manage the process to onboard new vendors, manage the new data attributes and collaborate with internal business partners for implementation of these strategies.

  • Partner with Supply Chain Management, Legal, and other internal business partners to develop requirements for 3rd party engagements and manage the end to end process both for new relationship and existing ongoing relationships.

  • Own the data attributes that are used in Originations risk models and strategies, which will include Bureau attributes, Custom attributes and any new attributes based on enhanced bureau data or alternate credit data.

  • Perform complex and in-depth analysis to gain insight from data mining and other statistical/quantitative processes.

  • Recommend strategy/process/policy improvements based on analysis, regulatory requirements, and partner input

  • Identify and execute against strategic opportunities to support the ongoing refinement of credit policy/strategy and business operational efficiency

  • Collaborate with internal business partners on implementation of the policies, process improvements and strategies.

  • Effectively communicate analysis results and strategy recommendations to business partners and senior management

Critical success factors will include strong interpersonal skills, ability to collaborate effectively, strong technical and analytical skills, ability to connect the dots, strong intellectual curiosity and drive for high quality results, the ability to manage effectively in a matrixed organization, develop partnerships with business and functional areas, and communicate effectively.

This position can sit in any of the locations listed including 114 N Beaumont St D Bldg. St. Louis, MO

Required Qualifications

  • 7+ years of experience in risk role

Desired Qualifications

  • A Master's degree or higher in a quantitative discipline

  • Excellent verbal, written, and interpersonal communication skills

  • 4+ years of SQL or SAS experience

Other Desired Qualifications

  • Experience building partnerships, collaborating with and influencing colleagues and partners

  • 5+ years credit risk or analytics experience in a financial service company

  • Experience developing new credit decisioning strategies utilizing advanced analytics

  • Strong problem solving skills

  • Strong MS Office Suite proficiency

  • Experience working with large datasets across multiple data sources

  • Clear verbal and written communication

  • Ability to effectively manage and deliver high quality results against multiple priorities and tight timelines

Street Address

AZ-Chandler: 2700 S Price Rd - Chandler, AZ

AZ-PHX-Central Phoenix: 100 W Washington St - Phoenix, AZ

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

IA-Des Moines: 206 8th St - DES MOINES, IA

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

MN-Minneapolis: 600 S 4th St - Minneapolis, MN

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

MN-Saint Louis Park: 435 Ford Rd - Saint Louis Park, MN

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


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: 5576388-2

Updated: 2021-05-16 09:11:26.440 UTC

Location: West Des Moines,IA