Lead Business Credit Analyst

About this role: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.Required Qualifications:5+ years of Business Credit experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education3+ years of experience performing quantitative analysis, impact assessments, scenario analysis, forecasting, or comparable credit risk evaluations3+ years of experience analyzing large and complex datasets using SAS, SQL, Python, or comparable analytical toolsDesired Qualifications: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.Job Expectations:This position requires compliance with all mortgages regulatory requirements and Wells Fargo’s compliance policies related to these requirements. Successful candidates must also meet ongoing regulatory requirements including additional screening and required reporting of certain incidents.This position is not eligible for Visa sponsorship.This position offers a hybrid work schedule. Telework or remote work setting is not available. Preferred location(s) listed below. Other locations within the Wells Fargo footprint may be consideredRelocation assistance is not available for this position.Posting Locations:Charlotte, NC -1525 W WT Harris BlvdCharlotte, NC-550 S. TyronDes Moines, IA-800 S Jordan Creek PkwyMinneapolis, MN- 600 Wells FargoIrving, TX-401 Los Colinas Blvd Tempe, AZ -1150 W. WashingtonChandler, AZ- 2700 S Price RdColumbus, OH- 3075 Loyalty CirclePosted Pay Range:MN: $153,000-239,000Other Locations: $139,000 to 217,000Pay RangeReflected is the base pay range offered for this position. Pay may vary depending on factors including but not limited to demonstrated examples of prior performance, skills, experience, or work location. Employees may also be eligible for incentive opportunities. $139,000.00 - $239,000.00Benefits Wells Fargo provides eligible employees with a comprehensive set of benefits, many of which are listed below. Visit Benefits - Wells Fargo Jobs for an overview of the following benefit plans and programs offered to employees.Health benefits401(k) PlanPaid time offDisability benefitsLife insurance, critical illness insurance, and accident insuranceParental leaveCritical caregiving leaveDiscounts and savingsCommuter benefitsTuition reimbursementScholarships for dependent childrenAdoption reimbursementPosting End Date:6 Oct 2026*Job posting may come down early due to volume of applicants.We Value Equal OpportunityWells Fargo is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected characteristic.Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit’s risk appetite and all risk and compliance program requirements.Applicants with DisabilitiesTo request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo.Drug and Alcohol PolicyWells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy to learn more.Wells Fargo Recruitment and Hiring Requirements:a. Third-Party recordings are prohibited unless authorized by Wells Fargo.b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.SummaryLocation: WEST DES MOINES, IA; IRVING, TX; CHANDLER, AZ; COLUMBUS, OH; CHARLOTTE, NC; MINNEAPOLIS, MNType: Full time