Senior Credit Risk Specialist - Auto Lending Risk
Today• Charlotte, NC
About this role:
Wells Fargo is seeking a Senior Credit Risk Specialist to join the Auto Lending Risk team. This team focuses on credit policy and strategy as well as oversight of credit risk related to auto loan originations. The Senior Credit Risk Specialist plays a pivotal role in the oversight and execution of credit risk management activities across the loan lifecycle. This includes origination, underwriting, risk analysis, approval, documentation, monitoring, and loss recognition. The role supports the development and maintenance of credit policies and strategies within Auto. The ideal candidate will bring deep expertise in credit risk analysis, policy execution, and monitoring, with a strong understanding of auto finance products and market dynamics. Learn more about the career areas and lines of business at wellsfargojobs.com.
In this role, you will:
- Lead moderately complex initiatives and identify opportunity for risk mitigation strategies within Credit Risk
- Contribute to credit performance, potential or emerging risks
- Review and analyze moderately complex processes and projects, business, operational, or technical challenges that require an in-depth evaluation of variable factors
- 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
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- 4+ years of Credit Risk experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
- Demonstrated advanced data and analytical capabilities
- Credit policy and risk experience paired with strong analytic acumen
- Proven ability to identify opportunities and develop innovative approaches leading to streamlined and efficient outcomes
- Experience with auto lending
- Fluency in data manipulation and analysis utilizing SQL/SAS
- Ability to work at one of the approved locations in the job posting
- This position currently offers a hybrid work schedule
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Reflected is the base pay range offered for this position. Pay may vary depending on factors including but not limited to achievements, skills, experience, or work location. The range listed is just one component of the compensation package offered to candidates.
$100,000.00 - $179,000.00
Benefits
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 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
1 Oct 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.
Applicants with Disabilities
To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo .
Drug and Alcohol Policy
Wells 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.
Client-provided location(s): Charlotte, NC
Job ID: WellsFargo-R-488382-2
Employment Type: FULL_TIME
Posted: 2025-09-25T18:08:50
Perks and Benefits
Health and Wellness
- Health Insurance
- Health Reimbursement Account
- Dental Insurance
- Vision Insurance
- Life Insurance
- FSA
- HSA
- Mental Health Benefits
- Short-Term Disability
- Long-Term Disability
Parental Benefits
- Adoption Assistance Program
- Family Support Resources
- Birth Parent or Maternity Leave
- Non-Birth Parent or Paternity Leave
- Fertility Benefits
- Return-to-Work Program
Work Flexibility
- Hybrid Work Opportunities
Office Life and Perks
- Commuter Benefits Program
Vacation and Time Off
- Paid Vacation
- Paid Holidays
- Personal/Sick Days
- Volunteer Time Off
Financial and Retirement
- 401(K) With Company Matching
- Performance Bonus
- Stock Purchase Program
Professional Development
- Tuition Reimbursement
- Access to Online Courses
- Internship Program
- Associate or Rotational Training Program
- Promote From Within
- Mentor Program
Diversity and Inclusion
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