Senior Examiner Risk Asset Review - Commercial Loan Review

  • Competitive
  • Charlotte, NC, États-Unis
  • CDI, Plein-temps
  • Wells Fargo US
  • 12 sept. 17

Senior Examiner Risk Asset Review - Commercial Loan Review

Job Description
Let's talk about building a rewarding career

You've got the passion. You've got the skills. Now you just need the right opportunity. At Wells Fargo, you'll have the chance to join a team of smart and talented people who share the same values. Our diverse lines of business offer a world of opportunity to expand your capabilities and advance your career. We invest in our people and provide a supportive environment in which to learn and grow.

Corporate Risk helps all Wells Fargo businesses identify and manage risk. The team focuses on several key risk areas, including credit risk, operational risk, market risk, reputation risk, and compliance risk.

Corporate Risk strives to ensure that all Wells Fargo corporate functions and lines of business soundly manage risk, comply with applicable laws and regulations, and offer products and services that meet the needs of our customers.

The group provides leadership, enhances communications, assists with problem identification and solutions, and shares best practices. In addition, the group provides an enterprise-wide view of risk, assists management and our Board of Directors in identifying and monitoring risks that may affect multiple lines of business, and takes appropriate action when business activities exceed the risk tolerance of the company.

Corporate Credit is responsible for independently overseeing the management of credit risk exposures (including monitoring and reporting on aggregate credit exposures across groups, legal entities, geographies, and jurisdictions) and the quality of credit risk management practices across the company. This oversight extends to all phases of a loan's life cycle, including origination, underwriting, risk analysis, approval, documentation, boarding, monitoring, loss recognition, modification, and collection activities. Corporate Credit is responsible for delegating and/or removing credit and investment approval authorities to the lines of business. More specifically, Corporate Credit develops, maintains and ensures adherence to enterprise-wide credit risk frameworks, policies, and procedures that are aligned with Board-approved risk appetite.

Risk Asset Review ("RAR") is the company's internal loan review function and is foundational to the credit risk management function at Wells Fargo. RAR independently evaluates the quality of lending practices in the businesses and shares its findings with the Chief Credit Officer and line of business management. RAR reports all significant credit issues to members of the Allowance Approach and Allowance Approval Committees, Executive Management and the Credit Committee of the Board of Directors.

The Senior Examiner demonstrates advanced technical expertise, and has deep and broad credit knowledge. Senior Examiners serve as a resource on RAR's examinations of Wells Fargo's commercial lending businesses and advise RAR management on sensitive examination issues. Evaluates credit administration practices, focuses on significant issues, and demonstrates sound credit judgment. Serves as examiner-in-charge, and capably assesses the quality of lending practices. Interaction and communication with line management is tactful and professional.

Duties of the Senior Examiner include but are not limited to the following:

  • Assess the lending practices of the company's commercial loans.
  • At times, serve as examiner-in-charge and direct a team of examiners that examines the company's commercial lending businesses.
  • Interact with line of business management and communicate RAR's examination findings.
  • Advise RAR management on ways to improve the examination process.
Required Qualifications
  • 5+ years of credit loan experience

Desired Qualifications
  • Strong analytical skills with high attention to detail and accuracy
  • Excellent verbal, written, and interpersonal communication skills
  • A BS/BA degree or higher in accounting, finance, or economics
  • Ability to review and interpret complex commercial loan documents
  • Strong credit analysis skills
  • Strong commercial credit analysis skills

Job Expectations
  • Ability to travel up to 40% of the time

Disclaimer
    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.