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Credit Analyst 3

Company: Wells Fargo
Location: Saint Louis
Posted on: November 22, 2021

Job Description:

Job DescriptionImportant 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.Wells Fargo---s Consumer Lending businesses empower millions of customers to achieve their dreams every day. Whether it---s buying a home, purchasing a car, funding a significant purchase, or making important daily credit card purchases, Consumer Lending provides important credit products and services that help our customers succeed. The group includes Home Lending; Auto; Cards, Retail and Merchant Services; Personal Lending; Consumer Lending Control; and Consumer Lending Shared Services.The Consumer Lending team partners with other businesses across Wells Fargo to create and deliver transformational experiences that help customers gain access to credit. The vision for the Consumer Lending business is to leverage technology and data to make it simple for customers to easily access credit when and where they need it. Consumer Lending serves customers across the country through our distribution network of more than 5,300 retail banking branches and Home Lending offices, as well as online and digital channels.Home Lending Acquisitions Credit Risk-Counterparty Oversight(HL- ACR-CO) provides risk assessment, oversight and mitigation support to Wells Fargo Home Lending---s (WFHL---s) Correspondent origination unit.-- HL - ACR-CO performs counterparty risk management activities primarily including initial due diligence and approval, ongoing monitoring, and relationship management.This role provides credit analytics and relationship management support on a client base of 175 correspondent seller counterparties by analyzing and monitoring client financial stablity and counterparty risk, assessing relationship program offerings / features to determine client sutiability and adjustment over time, and being a key member of a client relationship management function.-- This position also will provide recurring and ad-hoc analyses to aid in root cause discovery and identification of excessive risk.

  • Responsibilities include but are not limited to:
  • Providing analytical support for WFHL Correspondent and other internal support and oversight partners, including internal auditors and external regulators
  • Perform in-depth analytical reviews of financial statements
  • Conduct complex counterparty risk assessments through analysis of diverse credit information for Correspondent origniator-- / seller prospects and clients
  • Complete due diligence for client financial stability, operational history and overall experience of companies and individuals
  • Recommend / approve counterparty relationships and program eligibility; maintian / manage client eligibility status in third party data management system (Phoenix)
  • Assist in ongoing relationship management via monitoring and identification of counterparty risk trends;-- recommend relationship modifications to expand relationship depth / breadth or retractions needed to mitigate risk for Wells Fargo
  • Prepare contractual documents
  • Project work--Required Qualifications
    • 5+ years of credit analysis experienceDesired Qualifications
      • Intermediate Microsoft Office skills
      • Strong analytical skills including analyzing complex data
      • Excellent verbal, written, and interpersonal communication skills
      • Strong commercial credit analysis skills
      • Ability to navigate multiple computer systems, applications, and utilize search tools to find informationOther Desired Qualifications
        • 2+ years of experience spreading and analyzing complex financial statements*
        • Strong analytical skills including analyzing complex financial data*
        • Experience partnering with internal and external business partners*
        • Ability to analyze and process complex prospect applications
        • Strong financial and counterparty credit risk analytical skills with high attention to detail and accuracy
        • Ability to participate in and lead projects
        • 5+ years high-level customer service skills
        • Strong problem solving skills
        • Effective organizational, multi-tasking, and prioritizing skills*
        • Ability to work in a fast-paced, deadline driven environmentJob Expectations
          • Ability to travel up to 5% of the timeStreet AddressIA-West Des Moines: 7001 Westown Pkwy - West Des Moines, IAMN-Minneapolis: 600 S 4th St - Minneapolis, MNNC-Charlotte: 301 S College St - Charlotte, NCMO-Saint Louis: 1 N Jefferson Ave - Saint Louis, MOTX-DAL-Downtown Dallas: 1445 Ross Ave - Dallas, TXTX-Irving: 250 E John Carpenter Freeway - Irving, TXAZ-Tempe: 1150 W Washington St - Tempe, AZDisclaimer
            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 SummaryBenefits--Visit benefits information.

Keywords: Wells Fargo, St. Louis , Credit Analyst 3, Accounting, Auditing , Saint Louis, Missouri

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