Lead Credit Portfolio Consultant -Merchant Underwriting

About this role:
Wells Fargo is seeking a...
In this role, you will:

• Lead or participate in moderately complex credit and portfolio consulting services
• Mentor and guide large scale planning related to credit performance, potential or emerging risks, and credit and portfolio strategies
• Review and analyze potential or emerging credit risks that require an in-depth evaluation of variable factors to ensure conformity with risk appetite and culture, as well as appropriate credit policies
• Resolve moderately complex credit issues
• Lead a team to meet deliverables while leveraging solid understanding of credit products, programs, or related policies
• Collaborate and consult with peers, colleagues, and mid-level managers to resolve credit portfolio issues and achieve goals
• Lead projects, teams, or serve as a mentor for less experienced staff

Required Qualifications:

• 5+ years of Credit Consulting Portfolio experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

Desired Qualifications:

• Credit risk, merchant services underwriting, commercial underwriting, commercial loan review, portfolio management or equivalent experience in financial services
• Ability to make timely decisions in highly complex and multifaceted underwriting situations requiring solid understanding of line of business guidance and credit policy.
• Ability to engage, influence, and collaborate with a wide range of stakeholders to deliver results
• Ability to draft and present to senior management in a clear and concise manner in written and oral form
• Ability to exercise sound judgment, demonstrate professionalism, and proactively escalate issues along with recommendations for successful resolution
• Ability to take initiative and work independently with minimal supervision in a structured environment
• Ability to multi-task and work in a highly matrixed and fast paced business environment
• Effective organizational skills with the ability to manage multiple and sometimes competing priorities
• Effective communication skills across all audiences
• Ability to execute controls in support of effective FLOD underwriting risk management
• Experience in influencing, guiding and leading less experienced Underwriting staff within the group
• Experience in participating in cross functional teams to strategize, plan, and execute a variety of underwriting programs, services and initiatives

Job Expectations:

• This position is not eligible for a visa sponsorship.
• This position offers a hybrid work schedule.
• Relocation assistance is not available for this position.

Posting Locations:

• 1525 W W T Harris Blvd, CHARLOTTE, NC
• 1150 W Washington St, TEMPE, AZ
• 800 S Jordan Creek Pkwy, WEST DES MOINES

Posting End Date:
11 Dec 2025
*Job posting may come down early due to volume of applicants.
We Value Equal Opportunity
Wells 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.
Candidates applying to job openings posted in Canada: Applications for employment are encouraged from all qualified candidates, including women, persons with disabilities, aboriginal peoples and visible minorities. Accommodation for applicants with disabilities is available upon request in connection with the recruitment process.
Applicants with Disabilities
To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo .
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Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy to learn more.
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b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.