Business Credit Analyst

Wells Fargo•Minneapolis, MN

1d•$77,000 - $133,000•Hybrid

About The Position

Wells Fargo is seeking a Business Credit Analyst to support Home Lending Portfolio Credit Management. The position develops and maintains credit risk reporting and dashboards, monitors Home Lending originations, analyzes emerging trends and risks, and provides analytical support for credit risk initiatives. It requires strong analytical and technical skills, attention to detail, and the ability to communicate findings and collaborate with business partners. The role includes compliance with mortgage regulatory requirements and Wells Fargo compliance policies. Successful candidates must meet ongoing regulatory requirements, including additional screening and required reporting of certain incidents. The position is not eligible for visa sponsorship and offers a hybrid work schedule; willingness to work on-site at one of the listed locations is required. Relocation assistance is not available.

Requirements

At least 2 years of Business Credit experience, or equivalent demonstrated through work experience, training, military experience, education, or a combination of these.
At least 1 year of demonstrated analytical ability to interpret complex data, identify trends and risks, and translate findings into actionable insights supporting business decisions.
Willingness to work on-site at a listed location as part of the hybrid work schedule.
Meet ongoing regulatory requirements, including additional screening and required reporting of certain incidents.

Nice To Haves

Experience in consumer credit risk, mortgage credit risk, portfolio risk management, lending analytics, or financial analysis.
Experience analyzing loan, credit, or portfolio data to identify trends, changes in credit characteristics, emerging risks, and potential business impacts.
At least 1 year of experience analyzing large and complex datasets using SAS, SQL, Python, or comparable analytical tools.
Experience using Power BI, Tableau, or comparable visualization tools to develop reporting and communicate analytical findings.
Knowledge of residential mortgage lending, including originations, underwriting, credit policy, or portfolio performance.
Ability to work independently, exercise sound judgment, manage multiple analytical priorities, and collaborate effectively with risk, business, technology, data, and reporting partners.

Responsibilities

Develop, maintain, and enhance Home Lending credit risk reports and dashboards used to monitor origination activity, credit characteristics, credit risk metrics, and key risk indicators.
Analyze Home Lending origination data to identify trends, concentrations, emerging risks, opportunities, and performance drivers; research material changes, data discrepancies, and potential business implications.
Support low- to moderately complex Business Credit initiatives, including quantitative analyses of credit strategy, policy, and guideline changes by evaluating historical performance and assessing potential impacts.
Develop recommendations to address credit risk matters and report findings, exercising independent judgment within established policies, procedures, and compliance requirements.
Identify and implement opportunities to improve reporting, monitoring, and analytical processes, including enhancements to data quality, efficiency, and usability.
Communicate analytical findings and recommendations to managers, peers, internal customers, and business partners; collaborate across teams to resolve issues and achieve business goals.
Comply with mortgage regulatory requirements and Wells Fargo compliance policies, and fulfill ongoing regulatory screening and reporting requirements.
Execute applicable risk programs, follow company policies and procedures, escalate and remediate issues, and make sound risk decisions.