Senior Credit Risk Specialist - Merchant Services, Wells Fargo

Wells Fargo

Location:
United States, Charlotte ▼
Dallas
Minneapolis
Tempe
West Des Moines

Category:
Finance

Contract Type:
Employment contract

Salary:

84000.00 - 149400.00 USD / Year

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Job Description:

Wells Fargo is seeking a Senior Credit Risk Specialist in the Merchant Services team as part of Corporate Risk and will primarily focus on managing credit risk over First Line activities including credit approval of new customer activity, portfolio management and processing activities.

Job Responsibility:

Review moderately complex commercial credit underwriting transactions (new business underwriting, annual reviews, modifications, etc.)
Contribute to commercial credit performance, risk assessment and risk mitigation
Review and analyze moderately complex processes and projects, business, operational, or technical challenges that require an in-depth evaluation of variable factors related to commercial credit and underwriting
Receive direction from leaders
Exercise independent judgment while developing the knowledge to understand function, policies, procedures, and compliance requirements
Collaborate and consult with peers, colleagues and managers to resolve issues and achieve goals
Interact with internal customers

Requirements:

4+ years of Credit Risk experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
Commercial lending experience with subject matter expertise in fundamental cash flow analysis, understanding credit risks in changing economic environments both on a micro and macro level
Understands Commercial Credit Policy, Procedures and Controls around Commercial Credit Policy
Strong fundamentals with reading and analyzing financial statements from medium to large businesses
A BS/BA degree or higher in business, accounting, finance or economics or similar experience through training or work experience
Excellent collaboration, communication and project management skills
Ability to clearly and concisely communicate (both written and verbal) with business partners, peers and senior management and lead discussions
Outstanding problem-solving skills with the ability to exercise independent judgment to identify and resolve problems
Ability to prioritize work, meet deadlines, achieve goals, and work under pressure in a dynamic and complex environment
strong organizational, multi-tasking, and prioritizing skills
Ability to work independently with minimal direction
ability to exercise independent judgment and apply prudent risk mitigation principles
Intermediate Microsoft Office (Word, Excel, Outlook, and PowerPoint) skills

Nice to have:

Commercial lending experience with subject matter expertise in fundamental cash flow analysis, understanding credit risks in changing economic environments both on a micro and macro level
Excellent collaboration, communication and project management skills
Outstanding problem-solving skills with the ability to exercise independent judgment to identify and resolve problems

What we offer:

Health benefits
401(k) Plan
Paid time off
Disability benefits
Life insurance, critical illness insurance, and accident insurance
Parental leave
Critical caregiving leave
Discounts and savings
Commuter benefits
Tuition reimbursement
Scholarships for dependent children
Adoption reimbursement

Additional Information:

Job Posted:
June 04, 2025

Expiration:
June 15, 2025

Employment Type:

Fulltime

Work Type:

Hybrid work

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Senior Credit Risk Specialist - Merchant Services