Lead Business Credit Analyst

Wells Fargo Bank•Des Moines, IA

2d•Hybrid

About The Position

Wells Fargo is seeking a Lead Business Credit Analyst to provide analytical leadership in support of Home Lending Portfolio Credit Management. This role will lead quantitative analyses related to credit strategy and policy impacts, evaluate portfolio and originations performance, identify emerging risks and opportunities, and deliver insights that inform business and risk management decisions. The position requires strong analytical expertise, collaboration across multiple business functions, and the ability to communicate complex findings to senior leaders. In this role, you will: Apply advanced Business Credit and analytical expertise to evaluate complex strategies, programs, policies, and guidelines that significantly affect Home Lending portfolio performance, credit risk, and business objectives. Lead quantitative impact assessments of proposed credit strategy, policy, and guideline changes using historical performance data, origination characteristics, business forecasts, scenario analysis, and external benchmarks, as appropriate. Develop and communicate complex analytical findings, insights, and recommendations to senior leaders and other internal stakeholders in a clear, concise, and actionable manner. Analyze Home Lending origination and portfolio data, credit risk metrics, and key risk indicators to identify trends, concentrations, emerging risks, opportunities, and performance drivers; investigate material changes, assess business implications, and escalate matters when appropriate.

Requirements

5+ years of Business Credit experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
3+ years of experience performing quantitative analysis, impact assessments, scenario analysis, forecasting, or comparable credit risk evaluations
3+ years of experience analyzing large and complex datasets using SAS, SQL, Python, or comparable analytical tools

Nice To Haves

Experience analyzing credit strategy, policy, or underwriting guideline changes and evaluating potential impacts to volume, portfolio performance, credit risk, or risk appetite.
Ability to communicate complex analytical information clearly and concisely and influence and collaborate effectively across technical and nontechnical audiences and multiple business functions.
Strong analytical, problem-solving, and critical-thinking skills with the ability to evaluate multiple quantitative and qualitative factors.
Experience developing executive reporting, dashboards, and actionable analytical insights and recommendations for senior management.
2+ years of experience in mortgage lending, mortgage credit risk, mortgage portfolio management, or mortgage originations analytics.
Knowledge of mortgage underwriting guidelines, agency requirements, and key credit risk drivers.

Responsibilities

Apply advanced Business Credit and analytical expertise to evaluate complex strategies, programs, policies, and guidelines that significantly affect Home Lending portfolio performance, credit risk, and business objectives.
Lead quantitative impact assessments of proposed credit strategy, policy, and guideline changes using historical performance data, origination characteristics, business forecasts, scenario analysis, and external benchmarks, as appropriate.
Develop and communicate complex analytical findings, insights, and recommendations to senior leaders and other internal stakeholders in a clear, concise, and actionable manner.
Analyze Home Lending origination and portfolio data, credit risk metrics, and key risk indicators to identify trends, concentrations, emerging risks, opportunities, and performance drivers; investigate material changes, assess business implications, and escalate matters when appropriate.