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Credit Portfolio Consultant 3

Job ID 5301332 Schedule Type Reg-Time Work Hours 40 Location Denver, Colorado
Job Description

Wells Fargo's Consumer Lending Group (CLG) is an industry leader in supporting homeowners and consumers. We put customers at the center of all that we do. We make every decision - and design every product and service - with our customers in mind.

It starts with you. We must attract, develop, retain and motivate the most talented people - those who care and who work together as partners across business units and functions.  We value and promote diversity and inclusion in every aspect of our business and at every level of our organization.

The CLG team includes Home Lending, Personal Loans and Lines, Direct Auto, Dealer Services, Commercial Auto, Retail Services and Education Financial Services including the professional services teams that partner with these businesses and other key partners.

Our Consumer Credit Solutions (CCS) Unsecured Credit Risk team manages the credit quality of the unsecured CCS portfolios, partnering with Consumer Financial Services, Education Financial Services and Retail Services from origination through account management and authorizations to collections.

This position will require you to familiarize yourself with credit policy, existing Credit Risk Decisioning rules and associated decisioning data. You will be a key contributor who will:
•actively participate in project team meetings and proactively engage with key partners/stakeholders,
•design and develop effective & efficient credit risk business rule solutions,
•support project management methodologies in the software development lifecycle through the review and signoff on project documentation, and
•provide research and problem resolution in an accurate and timely manner.

This role closely interacts across all areas of the credit organization to ensure that all requirements have been met in your systems solution design. Your project participation should result in solution designs that are efficient and scalable, allow speed to market, and have the flexibility to handle both foreseen and unforeseen events.

To be considered, you must have demonstrated experience in developing business solutions using business rules software or an adaptive control system. To be successful you will need to:
•leverage your knowledge of and dependencies between the decisioning systems, source data, business processes, and lending products
•foster professional and effective working relationships with key partners/stakeholders,
•maintain timely, consistent and professional communications,
•support our project management methodology, and
•model a collaborative, communicative and positive work approach.

Required Qualifications

  • 6+ years of risk experience
  • 5+ years of development or implementation experience with automated decisioning tools and platforms
  • A BS/BA degree or higher

Desired Qualifications

  • A Master's degree or higher in a quantitative discipline
  • Highly refined and professional verbal and written communications
  • Ability to interact with integrity and a high level of professionalism with all levels of team members and management

Other Desired Qualifications
  • Demonstrated record of developing creative and innovative solutions to common business problems
  • Experience working on cross-functional teams throughout the software development lifecycle
  • Drives for results, is aware of deadlines, meets commitments, able to respond effectively to shifting priorities
  • Builds relationships through collaboration and teamwork
  • Experience with credit bureau data from Experian, Equifax and TransUnion
  • Investigative and inquisitive
  • Comfortable working both independently and as part of an analytic or cross-disciplined team
  • Familiarity with various data marts such as Teradata or Oracle to source data that enhances decisioning, or experience coding business processes in SAS or SQL


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.


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