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Consumer Credit Associate – Credit Quality Assurance

Wells Fargo

This is a Full-time position in Irving, TX posted August 26, 2021.

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 Credit Quality Assurance team reviews consumer (Credit Cards, Co-Brand, Personal Loans and Retail Services) and small business lending (Business Real Estate Finance (BREF) and Asset Secured Lending (ASL)) credit applications to provide an independent and thorough examination of the quality of credit decisions (credit originations) including the quality and accuracy of documents utilized to support credit decisions, and areas of operational risk (only to the extent that they impact the credit decision).  The team monitors the effectiveness and adherence of credit policies and procedures.  We provide actionable recommendations to emerging trends and work with our business partners to identify root cause of issues impacting credit quality.

Responsible for performing a thorough end to end examination of consumer and small business lending credit applications, processes and documentation to ensure compliance with credit policy and procedures, and sound credit decision making.  Clearly communicate deficiencies or opportunities to improve overall process to business partners including front line risk management, operations and oversight.  Analyzes risks and mitigants, and recommends solutions for issues identified.  Provides support for internal and external exam management activities and any other initiatives as needed.

Required Qualifications

  • 2+ years of experience in a risk role demonstrated through work or military experience; or a Master’s degree or higher in business or economics

Desired Qualifications

  • 5+ years of credit underwriting experience
  • Quality assurance review experience
  • Knowledge and understanding of CUSP, ACAPS, or Provinir Auto Fulfillment, origination or underwriting background
  • Exposure to Wells Fargo Small Business Lending Operations systems such as: CPS, FDR, or BCS
  • Intermediate Microsoft Office (Word, Excel, and Outlook) skills
  • Knowledge and understanding of underwriting policies and procedures, investor guidelines, and regulatory updates
  • Excellent verbal, written, and interpersonal communication skills
  • Strong analytical skills
  • Strong research and documentation skills
  • Knowledge and understanding of Business Lending and Sales Tracking (BLAST) credit fulfillment

Other Desired Qualifications

  • 5+ years of consumer and/or small business lending credit underwriting experience.
  • Prior Wells Fargo consumer and/or small business lending underwriting experience.
  • Experience in a credit quality assurance review function.
  • Experience with consumer underwriting systems and tools including:  CUSP, MASK, ACAPS, CAAMS, SVP, ACES, HOGAN, CARE
  • Experience with SBL underwriting systems and tools including:  LOS, BLAST, CAAMS, SVP, AFS, ICMP, ACES, HOGAN, ACAPS, CORE, CARE, RealQuest
  • Knowledge and understanding of Wells Fargo consumer and small business lending underwriting credit policies and procedures across all SBL products.
  • Judgmental underwriting experience.
     

Job Expectations

  • Ability to travel up to 5% of the time

Disclaimer

    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

Benefits
 

Visit https://www.wellsfargo.com/about/careers/benefits for benefits information.

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