Business Credit Analyst

About this role:
Wells Fargo is seeking a Business Credit Analyst to support Home Lending Portfolio Credit Management. This role will develop and maintain credit risk reporting and dashboards, monitor Home Lending originations, analyze emerging trends and risks, and provide analytical support for credit risk initiatives. The position requires strong analytical and technical skills, attention to detail, and the ability to communicate findings and collaborate effectively with business partners.
In this role, you will:

• Develop, maintain, and enhance Home Lending credit risk reports and dashboards used to monitor origination activity, credit characteristics, credit risk metrics, and key risk indicators.
• Analyze Home Lending origination data to identify trends, concentrations, emerging risks, opportunities, and performance drivers; research material changes, data discrepancies, and potential business implications.
• Support low to moderately complex Business Credit initiatives, including quantitative analyses of credit strategy, policy, and guideline changes by evaluating historical performance and assessing potential impacts.
• Develop recommendations to address credit risk matters and reporting findings, exercising independent judgment within established policies, procedures, and compliance requirements.
• Identify and implement opportunities to improve reporting, monitoring, and analytical processes, including enhancements to data quality, efficiency, and usability.
• Communicate analytical findings and recommendations to managers, peers, internal customers, and business partners, and collaborate across teams to resolve issues and achieve business goals.

Required Qualifications:

• 2+ years of Business Credit experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
• Experience using Excel and PowerPoint to aggregate and analyze data to present findings

Desired Qualifications:

• Experience developing, maintaining, and enhancing credit risk reports, dashboards, or portfolio monitoring tools, including reporting on credit characteristics, risk metrics, trends, and key risk indicators.
• 1+ years of experience using SAS, SQL, Python, or similar analytical/programming tools to query, manipulate, analyze, or validate data.
• Experience working with large and complex data sets, including researching data discrepancies, performing data validation, and ensuring accuracy and completeness of reporting.
• Experience analyzing loan, credit, or portfolio data to identify trends, concentrations, changes in credit characteristics, emerging risks, and potential business impacts.
• Experience using Power BI, Tableau, or comparable visualization tools to develop dashboards and clearly communicate analytical findings.
• Experience in consumer credit risk, mortgage credit risk, portfolio risk management, risk analytics, lending analytics, or financial analysis.
• Knowledge of residential mortgage lending, Home Lending originations, underwriting, credit policy, or portfolio performance.
• Strong analytical, problem-solving, and critical-thinking skills with demonstrated attention to data accuracy, reconciliation, controls, and data quality.
• Ability to work independently, exercise sound judgment, manage multiple analytical priorities, and collaborate effectively with risk, business, technology, data, and reporting partners.
• Experience identifying and implementing reporting or process improvements, including automation, improved data quality, reduced manual effort, or enhanced usability.

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
• Willingness to work on-site at stated location on the job opening
• This position offers a hybrid work schedule
• Required location(s) listed below. Relocation assistance is not available for this position.

Location(s):

• 800 S Jordan Creek Pkwy, West Des Moines, IA 50266
• 2850 S. Price, Chandler, AZ 85286
• 600 S 4th St, Minneapolis, MN 55415
• 401 Los Colinas Blvd, Irving, TX 75309
• 550 S. Tyron St, Charlotte, NC 28202

Pay Range
Reflected 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.
$77,000.00 - $133,000.00
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

Posting End Date:
2 Nov 2026
* 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.
c. Please be prepared to provide accurate information and supporting documentation in connection with any lawful employment and education verification conducted by Wells Fargo.
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