Credit Analysts

**About this role:**

Wells Fargo is seeking a Home Loan Processor (SAFE) as part of Home Lending Learn more about the career areas and business divisions at wellsfargojobs.com

**In this role, you will:**

+ Support complex administrative, customer support and operational processes on home loan applications, including timely communication with external customers, agents, brokers, and counter-parties to obtain missing information and documentation, submit loans for underwriting review

+ Identify ways to improve customer service experience

+ Perform file review of complex home loan applications, communicate with customers in timely manner, review documentation and obtain missing information, clear stipulations, submit loans to underwriting for review, ensure all compliance and underwriting guidelines are met

+ Prioritize and manage assigned pipeline to meet deadlines and performance metrics

+ Provide guidance training to less experienced Loan Processors

+ Receive direction from supervisor and escalate non-routine questions to more experienced staff

+ Collaborate and consult with peers, colleagues and managers to resolve issues and achieve goals

+ Interact with internal and external customers, and other counter-parties

+ Receive direction from leaders and exercise independent judgment while developing the knowledge to understand function, policies, procedures, and compliance requirements

+ This SAFE position has customer contact and job duties which may include the offering/negotiating of terms and/or taking an application for a dwelling secured transaction. As such, this position requires compliance with the S.A.F.E. Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements, including acceptable background investigation results. Individuals in a SAFE position also must meet the Loan Originator requirements under Regulation Z (LO) outlined in the job expectations below

**Required Qualifications:**

+ 2+ years of Loan Processing, Customer Service, Loan Administration, Collections, or Sales experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

**Desired Qualifications:**

+ Prior mortgage loan processor experience

+ Exposure to Wells Fargo CORE application

+ Ability to gather, organize, and interpret data

+ Ability to navigate multiple computer screens while working on the phone

+ Demonstrated comfort and success in voice-to-voice customer service.

+ Strong attention to detail and accuracy skills

+ Good verbal, written, and interpersonal communication skills

+ Experience with proactive problem solving and resolving customer complaints.

+ Experience independently driving workload and meeting set expectations.

**Job Expectations:**

+ 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.

+ This position requires SAFE registration at the time of employment. Wells Fargo will initiate the SAFE registration process immediately after your employment start date. The Nationwide Mortgage Licensing System (NMLS) website (http://fedregistry.nationwidelicensingsystem.org) provides the MU4R questions and registration required for employment in this position. Individuals in Loan Originator (LO) positions must meet the Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies. The LO qualification requirements include meeting applicable financial responsibility, character, general financial fitness and criminal background standards. A current credit report will be used to assess your financial responsibility and credit fitness, however, a credit score is not included as part of the evaluation. Successful candidates must also meet ongoing regulatory requirements including additional screening, if necessary

**Posting End Date:**

30 Oct 2024

**_*Job posting may come down early due to volume of applicants._**

**We Value Diversity**

At Wells Fargo, we believe in diversity, equity and inclusion in the workplace; accordingly, we welcome applications for employment from all qualified candidates, regardless of race, color, gender, national origin, religion, age, sexual orientation, gender identity, gender expression, genetic information, individuals with disabilities, pregnancy, marital status, status as a protected veteran or any other status protected by applicable law.

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 US: 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.

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 (https://www.wellsfargojobs.com/en/diversity/disability-inclusion/) .

**Drug and Alcohol Policy**

Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy (https://www.wellsfargojobs.com/en/wells-fargo-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.

**Req Number:** R-411322

At Wells Fargo, we are looking for talented people who will put our customers at the center of everything we do. We are seeking candidates who embrace diversity, equity and inclusion in a workplace where everyone feels valued and inspired.

Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.

**About this role:**

Wells Fargo is seeking a Commercial Banking Portfolio Coordinator as part of the Commercial Banking Operations division. Learn more about the career areas and lines of business at wellsfargojobs.com (https://www.wellsfargojobs.com/career-areas/) .

The Commercial Banking Portfolio Coordinator is responsible for reviewing loan agreements, creating financial and covenant ticklers, and testing covenants for businesses and individuals to determine compliance.

**In this role, you will:**

+ Calculate compliance with the financial covenants placed in the customer’s loan agreement.

+ Build reporting requirements written into the customer’s loan agreement.

+ Read and understand the accounting within the various types of financial statements.

+ Respond to banker inquiries

+ Contact available sources for additional information when necessary

+ Identify risks and communicate those findings to the front office

+ Ensure policies and procedures are adhered to

**Required Qualification:**

+ 2+ years of financial analysis experience, or equivalent demonstrated through one **OR** a combination of the following: work experience, training, military experience, education.

**Desired Qualifications:**

+ Experience analyzing Generally Accepted Accounting Principles (GAAP), Balance Sheets, Income Statements and Tax Returns.

+ Accounting or finance experience.

+ Covenant Monitoring experience.

+ A BS/BA degree or higher in business administration, finance, accounting or economics.

+ Completion of coursework in Finance and/or Accounting.

+ Military intelligence or analytics experience including operational management, project management, mission evolution management and finance management.

+ Experience with one or a combination of the following systems: Credit View; Business Lending and Sales Tracking (BLAST), Electronic Reporting and Compliance (ETRAC); FLO; EZ Request (EZR); Wholesale Banking Reporting System (WBRS); Automated Financial Systems (AFS) or Imaging and Content Management Platform (ICMP).

+ Intermediate Microsoft Office skills.

+ Excellent verbal, written, and interpersonal communication skills.

+ Good analytical skills with high attention to detail and accuracy.

+ Ability to work effectively, as well as independently, in a team environment.

**Job Expectations:**

+ Ability to work additional hours as needed.

+ Willingness to work a hybrid schedule at least 3 days a week on-site at stated location on the job posting.

+ Relocation assistance is not available for this position.

**Posting Location:**

+ 1525 West WT Harris Blvd, Charlotte, North Carolina 28262

+ 2800 S Price Road, Chandler, Arizona 85286

+ 4101 Wiseman Blvd, San Antonio, TX 78253

\#Commercialbanking

**Posting End Date:**

30 Oct 2024

**_*Job posting may come down early due to volume of applicants._**

**We Value Diversity**

At Wells Fargo, we believe in diversity, equity and inclusion in the workplace; accordingly, we welcome applications for employment from all qualified candidates, regardless of race, color, gender, national origin, religion, age, sexual orientation, gender identity, gender expression, genetic information, individuals with disabilities, pregnancy, marital status, status as a protected veteran or any other status protected by applicable law.

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 US: 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.

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 (https://www.wellsfargojobs.com/en/diversity/disability-inclusion/) .

**Drug and Alcohol Policy**

Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy (https://www.wellsfargojobs.com/en/wells-fargo-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.

**Req Number:** R-409405

**About this role:**

Wells Fargo is seeking a Home Loan Processor (SAFE) as part of Home Lending Learn more about the career areas and business divisions at wellsfargojobs.com

**In this role, you will:**

+ Support complex administrative, customer support and operational processes on home loan applications, including timely communication with external customers, agents, brokers, and counter-parties to obtain missing information and documentation, submit loans for underwriting review

+ Identify ways to improve customer service experience

+ Perform file review of complex home loan applications, communicate with customers in timely manner, review documentation and obtain missing information, clear stipulations, submit loans to underwriting for review, ensure all compliance and underwriting guidelines are met

+ Prioritize and manage assigned pipeline to meet deadlines and performance metrics

+ Provide guidance training to less experienced Loan Processors

+ Receive direction from supervisor and escalate non-routine questions to more experienced staff

+ Collaborate and consult with peers, colleagues and managers to resolve issues and achieve goals

+ Interact with internal and external customers, and other counter-parties

+ Receive direction from leaders and exercise independent judgment while developing the knowledge to understand function, policies, procedures, and compliance requirements

+ This SAFE position has customer contact and job duties which may include the offering/negotiating of terms and/or taking an application for a dwelling secured transaction. As such, this position requires compliance with the S.A.F.E. Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements, including acceptable background investigation results. Individuals in a SAFE position also must meet the Loan Originator requirements under Regulation Z (LO) outlined in the job expectations below

**Required Qualifications:**

+ 2+ years of Loan Processing, Customer Service, Loan Administration, Collections, or Sales experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

**Desired Qualifications:**

+ Prior mortgage loan processor experience

+ Exposure to Wells Fargo CORE application

+ Ability to gather, organize, and interpret data

+ Ability to navigate multiple computer screens while working on the phone

+ Demonstrated comfort and success in voice-to-voice customer service.

+ Strong attention to detail and accuracy skills

+ Good verbal, written, and interpersonal communication skills

+ Experience with proactive problem solving and resolving customer complaints.

+ Experience independently driving workload and meeting set expectations.

**Job Expectations:**

+ 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.

+ This position requires SAFE registration at the time of employment. Wells Fargo will initiate the SAFE registration process immediately after your employment start date. The Nationwide Mortgage Licensing System (NMLS) website (http://fedregistry.nationwidelicensingsystem.org) provides the MU4R questions and registration required for employment in this position. Individuals in Loan Originator (LO) positions must meet the Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies. The LO qualification requirements include meeting applicable financial responsibility, character, general financial fitness and criminal background standards. A current credit report will be used to assess your financial responsibility and credit fitness, however, a credit score is not included as part of the evaluation. Successful candidates must also meet ongoing regulatory requirements including additional screening, if necessary

**Posting End Date:**

30 Oct 2024

**_*Job posting may come down early due to volume of applicants._**

**We Value Diversity**

At Wells Fargo, we believe in diversity, equity and inclusion in the workplace; accordingly, we welcome applications for employment from all qualified candidates, regardless of race, color, gender, national origin, religion, age, sexual orientation, gender identity, gender expression, genetic information, individuals with disabilities, pregnancy, marital status, status as a protected veteran or any other status protected by applicable law.

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 US: 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.

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 (https://www.wellsfargojobs.com/en/diversity/disability-inclusion/) .

**Drug and Alcohol Policy**

Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy (https://www.wellsfargojobs.com/en/wells-fargo-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.

**Req Number:** R-411322

**Why USAA?**

Let’s do something that really matters.

At USAA, we have an important mission: facilitating the financial security of millions of U.S. military members and their families. Not all of our employees served in our nation’s military, but we all share in the mission to give back to those who did. We’re working as one to build a great experience and make a real impact for our members.

We believe in our core values of honesty, integrity, loyalty and service. They’re what guides everything we do – from how we treat our members to how we treat each other. Come be a part of what makes us so special!

**The Opportunity**

As a dedicated Bank Credit Risk Analyst, you will own and provide ongoing management of credit card account management strategies (for example, credit line increase, credit line decreases, balance transfer offers, etc). You will conduct detailed statistical analyses to determine drivers of credit card portfolio trends, and design and implement strategy-based approaches to issues identified. You will also work closely with cross-functional stakeholders to implement changes to account management strategies.

The incumbent uses quantitative methods to identify credit risk, develop and deliver credit strategies, and monitor credit performance for consumer credit portfolios to optimize profitable growth within risk appetite. The incumbent mitigates operational and compliance risk inherent in credit strategy. This position tracks and monitors internal and external factors impacting credit strategy performance for bank portfolio products.

We offer a flexible work environment that requires an individual to be **in the office 4 days per week.** This position can be based in one of the following locations: San Antonio, TX, Plano, TX, Phoenix, AZ, Colorado Springs, CO, Charlotte, NC or Tampa, FL. This position can also work remotely in the continental U.S. with occasional business travel. Relocation assistance is **not** available for this position.

**What you'll do:**

+ Applies industry leading practices and analytical skills to identify risks and opportunities within the managed portfolio and translates results into strategic solutions with the delivery of credit risk strategies.

+ Applies critical thinking skills to synthesize analyses, identify root causes, and develop clear and concise recommendations to drive credit risk strategy development and influence senior decision makers.

+ Assists in delivering Bank credit risk strategies across lines of defense by effectively driving analytical projects through analysis of data and processes and clearly communicating insights/recommendations to key stakeholders and leadership.

+ Applies industry knowledge and competitive benchmarking to inform credit strategy development.

+ Utilizes quantitative analysis based upon internal and external data sources to bring structure and clarity to challenging problems.

+ Develops and presents comprehensive risk and financial reporting in support of senior management and committee oversight of existing and emerging risks and escalates the quality and direction of credit performance to appropriate levels of management.

+ Performs complex financial risk sensitivity analysis.

+ Creates requirements to support the management of credit strategy infrastructure and ensures credit strategies are implemented as intended.

+ Applies programming and analytical techniques to analyze credit data.

+ Provides support for junior team members regarding analytics and risk management.

+ Collaborates with key stakeholders to guide & facilitate teams in the development and implementation of key initiatives.

+ Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

**What you have:**

+ Bachelor’s degree in Business Management, Finance, Economics, Engineering, or in a Mathematical discipline; OR 4 years of related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree.

+ 4 years of experience in an analytical field or work focused on leading analytical projects, advanced analytics, and risk assessments such as analyzing and interpreting complex bank credit risk data and credit or financial analysis activities, and/or driving activities that support consumer credit risk strategy; OR an advanced degree in Business Management, Finance, Economics, Engineering, or in a Mathematical discipline and 2 years of experience in an analytical field or work focused on leading analytical projects, advanced analytics, and risk assessments.

+ Understanding of banking regulations, risk and/or compliance.

+ Strong presentation and communication skills.

+ Good business acumen and attention to detail and accuracy.

+ Strong research, investigation skills and demonstrated good judgement in problem solving.

+ Strong knowledge of Microsoft Office products, particularly Excel, Word, and PowerPoint.

+ Strong knowledge of data analysis tools including skills to develop analysis queries and procedures in SQL, SAS, or other business intelligence and analysis software applications for data segmentation, aggregation, and statistics (E.g., SPSS, Python, R or Visual Basic).

+ Knowledge of federal laws, rules, regulations, and applicable guidance to include: FCRA, Reg B, UDAAP/UDAP, OCC Heightened Standards, OCC CREDIT RISK GUIDANCE.

**What sets you apart:**

+ Bachelor’s or Master’s degree in Mathematics, Statistics/ Data Scientist, Engineering, Computer Science, Finance, or other quantitative discipline.

+ Proficiency in Python, R, or SAS. SQL proficiency is a plus, but not required.

+ Experience conducting statistical analyses on large and complex datasets to detect trends and trend drivers.

+ Experience in the financial Industry.

The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job.

**What we offer:**

**Compensation:** USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. The salary range for this position is: $89,990 - $172,000 **.**

Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.

**Benefits:** At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include comprehensive medical, dental and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals.

For more details on our outstanding benefits, please visit our benefits page on USAAjobs.com.

_Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting._

_USAA 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, or status as a protected veteran._

**If you are an existing USAA employee, please use the internal career site in OneSource to apply.**

**Please do not type your first and last name in all caps.**

**_Find your purpose. Join our mission._**

USAA is unlike any other financial services organization. The mission of the association is to facilitate the financial security of its members, associates and their families through provision of a full range of highly competitive financial products and services; in so doing, USAA seeks to be the provider of choice for the military community. We do this by upholding the highest standards and ensuring that our corporate business activities and individual employee conduct reflect good judgment and common sense, and are consistent with our core values of service, loyalty, honesty and integrity.

USAA attributes its long-standing success to its most valuable resource: our 35,000 employees. They are the heart and soul of our member-service culture. When you join us, you'll become part of a thriving community committed to going above for those who have gone beyond: the men and women of the U.S. military, their associates and their families. In order to play a role on our team, you don't have to be connected to the military yourself – you just need to share our passion for serving our more than 13 million members.

USAA is an EEO/AA Employer - applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law.

California applicants, please review our HR CCPA - Notice at Collection (https://statmcstg.usaa.com/mcontent/static\_assets/Media/enterprise\_hr\_cpra\_notice\_at\_collection.pdf) here.

USAA is an EEO/AA Employer - applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law.

**Why USAA?**

At USAA, we have an important mission: facilitating the financial security of millions of U.S. military members and their families. Not all of our employees served in our nation’s military, but we all share in the mission to give back to those who did. We’re working as one to build a great experience and make a real impact for our members.

We believe in our core values of honesty, integrity, loyalty and service. They’re what guides everything we do – from how we treat our members to how we treat each other. Come be a part of what makes us so special!

**The Opportunity**

Are you a Risk Analyst Lead with expertise in Operational Loss Programs and Risk Management? Join our team to leverage your skills in analyzing loss data and ensuring compliance and operational risk. Your background in quality assurance and experience in the second or third line of defense will be invaluable in this role.

We offer a flexible work environment that requires an individual to be **in the office 4 days per week.** This position can be based in one of the following locations: San Antonio, TX, Plano, TX, Phoenix, AZ, Colorado Springs, CO, Charlotte, NC, Chesapeake, VA or Tampa, FL.

Relocation assistance is **not** available for this position.

**What you'll do:**

+ Identifies and seeks key partners across the enterprise to support the identification, assessment, aggregation and the overall management of risks and controls.

+ Presents findings and recommendations to various levels of leadership.

+ Routinely communicates results of risk assessments to governance committees, business process owners and various levels of leadership and influences decision making.

+ Develops process and procedures for successful implementation of new risk policies, practices, appetites and solutions to ensure well-rounded understanding and management of risks according to industry standard process.

+ Develops strategies, tools, and methodologies to measure, monitor, and report risks.

+ Applies experienced knowledge to use or produce analytical material for discussions with cross functional teams to understand business objectives and influence solution strategies.

+ Leads, assembles and facilitates cross-functional teams to identify, assess, aggregate and mitigate current and emerging risk events.

+ Serves as the point of contact for senior risk leadership on projects and special management requests that often impact the enterprise or core operating area.

+ Formulates and reviews stress test plans for a line of business or the enterprise.

+ Evaluates results, and frames contingency plans in partnership with key business partners.

+ Crafts key communications to be delivered to executives and board members.

**What you have:**

+ Bachelor's degree in Risk Management, Business, Finance, or a related field OR 4 additional years of related experience beyond the minimum required may be substituted in lieu of a degree.

+ 8 years of risk management, regulatory or operations experience in a relevant functional area to include banking, insurance, financial services, audit, project management, public accounting or other related operational area.

+ Or advanced degree/designation in Risk Management, Business, Finance, or other field relevant to risk management and 6 years of work experience in a subject area relevant to risk management.

+ Risk management experience in a complex institution and/or highly matrixed environment.

+ Demonstrated experience in conflict resolution management and ability to effectively challenge at all levels of management and influence business outcomes.

+ Experience leading and advising work with both internal and external partners in a highly collaborative environment.

+ Proven critical thinking and knowledge of data analysis tools and techniques and decision-making abilities, to include proven track record to effectively make data-driven decisions.

+ Proactively identifies potential concerns and follows-up to resolve issues.

+ Detailed knowledge of Microsoft Office products including Excel and PowerPoint.

**What sets you apart:**

+ Operational Loss Program Experience and Risk Management expertise

+ Experience with conducting analysis on loss data

+ Excellent verbal and written communication and social skills required with ability to present detailed and critical issues across lines of business and leadership

+ Second or third line of defense experience

+ Validated understanding and experience in leading and implementing operational risk programs

+ Proven understanding of Basel requirements for operational risk

+ Quality assurance expertise

+ Experience preparing materials and results for senior leadership and regulatory audiences

The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job.

**What we offer:**

**Compensation:** USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. The salary range for this position is: $138,230 - $264,200 **.**

Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.

**Benefits:** At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include comprehensive medical, dental and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals.

For more details on our outstanding benefits, please visit our benefits page on USAAjobs.com.

_Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting._

_USAA 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, or status as a protected veteran._

**If you are an existing USAA employee, please use the internal career site in OneSource to apply.**

**Please do not type your first and last name in all caps.**

**_Find your purpose. Join our mission._**

USAA is unlike any other financial services organization. The mission of the association is to facilitate the financial security of its members, associates and their families through provision of a full range of highly competitive financial products and services; in so doing, USAA seeks to be the provider of choice for the military community. We do this by upholding the highest standards and ensuring that our corporate business activities and individual employee conduct reflect good judgment and common sense, and are consistent with our core values of service, loyalty, honesty and integrity.

USAA attributes its long-standing success to its most valuable resource: our 35,000 employees. They are the heart and soul of our member-service culture. When you join us, you'll become part of a thriving community committed to going above for those who have gone beyond: the men and women of the U.S. military, their associates and their families. In order to play a role on our team, you don't have to be connected to the military yourself – you just need to share our passion for serving our more than 13 million members.

USAA is an EEO/AA Employer - applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law.

California applicants, please review our HR CCPA - Notice at Collection (https://statmcstg.usaa.com/mcontent/static\_assets/Media/enterprise\_hr\_cpra\_notice\_at\_collection.pdf) here.

USAA is an EEO/AA Employer - applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law.

Join a leading PACE Home Improvement Financing company where your skills can shine! We specialize in providing low-cost, upfront funding for energy and water-saving home improvements. As part of our team, you will play a crucial role in helping homeowners make sustainable upgrades to their properties. Dive into a career that not only advances your professional growth, but also contributes to a greener planet. Apply today and be at the forefront of promoting eco-friendly living through innovative financing solutions!

Location: Fully remote with equipment provided - 100% remote in California, Arizona or Texas

Schedule: Must be open to working any shifts between 9am-9pm PST Monday-Sunday (will be scheduled 5 days/week, have a set 40 hour work week, with available overtime)

Job Responsibilities:

+ Reviews loan applications for home improvement projects

+ Gather necessary documents and personal information

+ Maintain a loan pipeline while keep borrowers up to date

+ Resolve customer and vendor inquiries by phone and email

Job Qualifications:

+ Must have 1 year of recent call center experience working in a fast-paced environment

+ Exceptional customer service experience within banking or lending experience

+ Bilingual in Spanish (speak, read, write in Spanish/English)

+ Strong tenure in previous roles (minimum 1+ years in each position)

+ Consumer lending or mortgage experience

 Eligibility requirements apply to some benefits and may depend on your job classification and length of employment. Benefits are subject to change and may be subject to specific elections, plan, or program terms. If eligible, the benefits available for this temporary role may include the following:

§ Medical, dental & vision

§ Critical Illness, Accident, and Hospital

§ 401(k) Retirement Plan – Pre-tax and Roth post-tax contributions available

§ Life Insurance (Voluntary Life & AD&D for the employee and dependents)

§ Short and long-term disability

§ Health Spending Account (HSA)

§ Transportation benefits

§ Employee Assistance Program

§ Time Off/Leave (PTO, Vacation or Sick Leave)

#prioritywest

About TEKsystems:

We're partners in transformation. We help clients activate ideas and solutions to take advantage of a new world of opportunity. We are a team of 80,000 strong, working with over 6,000 clients, including 80% of the Fortune 500, across North America, Europe and Asia. As an industry leader in Full-Stack Technology Services, Talent Services, and real-world application, we work with progressive leaders to drive change. That's the power of true partnership. TEKsystems is an Allegis Group company.

The company is an equal opportunity employer and will consider all applications without regards to race, sex, age, color, religion, national origin, veteran status, disability, sexual orientation, gender identity, genetic information or any characteristic protected by law.

**Overview:**

**Aerotek has an immediate opening for an Entry Level Credit Analyst at the corporate office in Tempe, AZ.**

**Job Summary:** Reporting to the Corporate Credit Manager, the Credit Analyst is responsible for ensuring high quality accounts receivable. This is accomplished through proactive customer evaluation prior to providing services, by analyzing the customer's financial condition, as well as their payment history with Aerotek. In addition, the Credit Analyst evaluates all existing Aerotek customers at pre-determined intervals during the performance of services. The Credit Analyst is a proficient expert in the management of customer credit lines and ratings. Qualities include building customer relationships, conflict resolution, professionalism, attention to detail, strong follow-up skills, the ability to embrace Allegis Group communication model as appropriate and the ability to adapt to changes in the workplace.

**Essential Functions:**

+ Looking at financial statements and other information on clients by using Dun and Bradstreet, the Internet, etc

+ Analyzing the financial statements of current and potential clients in order to determine financial stability

+ Conducting financial reviews and trend analysis on our current clients to evaluate current financial status

+ Managing client credit risks for region(s) associated with

+ Exercising discretion and independent judgment in respect to numerous significant financial recommendations which may impact their region and company as a whole

+ Represent initial point of contact regarding acceptable credit risk of potential clients as well as maintaining responsibility for communicating financial information and decision-making process to our sales force

+ Ability to come up with creative solutions to enable the business to grow while limiting risk

+ Responsible for negotiating payment terms with certain higher risk accounts

+ Communicating with clients (potentially CFO's and CEO's of companies) in order to obtain financial information and negotiate any necessary payment plans

**Minimum Education/Abilities/Skills:**

+ Qualified candidates will ideally have 1 - 3 years related experience

+ Working knowledge of Microsoft Office, Salesforce.com, D&B and PeopleSoft

+ Excellent interpersonal and communication skills

+ Excellent customer service skills

**Special Requirements:**

+ BA/ BS in Accounting, Finance, Economics or a Business Related Degree

Our People Are Everything. For more than 35 years, Aerotek Inc. has built a reputation for providing the highest-quality staffing and workforce management solutions. With deep expertise in the manufacturing, logistics, construction, aviation and facility management industries, we partner with more than 13,000 clients and 200,000 light industrial and skilled trades contract employees every year. Our people-focused approach connects quality talent with meaningful work and continuous opportunities. Headquartered in Hanover, Md., Aerotek operates a unified network of over 250 offices across North America. Aerotek is an operating company within Allegis Group, a global leader in talent solutions. To learn more, visit: Aerotek.com.

The company is an equal opportunity employer and will consider all applications without regards to race, sex, age, color, religion, national origin, veteran status, disability, sexual orientation, gender identity, genetic information or any characteristic protected by law.

If you would like to request a reasonable accommodation, such as the modification or adjustment of the job application process or interviewing process due to a disability, please call 888-237-6835 or email [email protected] for other accommodation options. However, if you have questions about this position, please contact the Recruiter located at the bottom of the job posting. The Recruiter is the sole point of contact for questions about this position.

Actalent is an equal opportunity employer.

Are you passionate about technology and interested in joining a community of collaborative colleagues who respectfully and courageously seek to challenge the status quo? If so, read on to learn more about an exciting opportunity with Deloitte Technology US (DT - US). We are curious and life-long learners focused on technology and innovation.

Recruiting for this role ends on Nov 8, 2024

Work you'll do

This individual will serve as a Senior Technology Risk Analyst within the Deloitte US Firm's Cyber Security, Risk & Compliance group. Primary responsibilities include performing information security risk assessment and deploying risk treatment techniques for both on-premises and cloud hosted IT applications and infrastructure.

Further, this individual will support the execution and continual enhancement of an information security risk assessment program, with emphasis on ISO 27001 or similar information security management systems.

Responsibilities:

+ Assist with developing and executing a repeatable risk assessment methodology.

+ Empower ISO certification by identifying, leading, and coordinating risk management activities through interviews, documentation analysis, and coordination with multiple stakeholder teams.

+ Apply the information security risk assessment process to identify risks associated with the loss of confidentiality, integrity, and availability.

+ Identify inherent risk, evaluate current state, and determine residual risk posture for a variety of information technology asset categories and asset types.

+ Evaluate information security threats and associated vulnerabilities.

+ Prepare risk assessment report deliverables for management review.

+ Coordinate with numerous stakeholder groups to develop risk remediation plans.

+ Advance risk treatment initiatives to lower risk profile per asset target

+ Support initiatives to educate technology functions on security and compliance requirements.

+ Performs other job-related duties as assigned.

The team

Deloitte Technology US (DT - US) helps power Deloitte's success, which serves many of the world's largest, most respected organizations. We develop and deploy cutting-edge internal and go-to-market solutions that help Deloitte operate effectively and lead in the market. Our reputation is built on a tradition of delivering with excellence.

The ~3,000 professionals in DT - US deliver services including:

+ Cyber Security

+ Technology Support

+ Technology & Infrastructure

+ Applications

+ Relationship Management

+ Strategy & Communications

+ Project Management

+ Financials

Cyber Security

Cyber Security vigilantly protects Deloitte and client data. The team leads a strategic cyber risk program that adapts to a rapidly changing threat landscape, changes in business strategies, risks, and vulnerabilities. Using situational awareness, threat intelligence, and building a security culture across the organization, the team helps to protect the Deloitte brand.

Areas of focus include:

+ Risk & Compliance

+ Identity & Access Management

+ Data Protection

+ Cyber Design

+ Incident Response

+ Security Architecture

+ Business Partnership

Required Qualifications:

+ Bachelor's degree or equivalent in Computer Science, Information Technology, Business Administration.

+ Minimum 5 years of relevant experience with information technology security programs, audits, controls, assessments, risk assessments, or remediation management (e.g., SOC 2, ISO27001, ISO27017, NIST800-53, PCAOB, etc.).

+ Limited immigration sponsorship may be available.

Preferred Qualifications:

+ Advanced degree preferred.

+ Exposure to cloud platforms such as AWS, Azure, or Google and associated risk management techniques

+ Strong communication, report writing and presentation skills.

+ Ability to work independently and cross-functionally in a virtual team environment.

+ Understanding of fundamental information technology and cloud computing concepts

+ Experience working with remote and virtual teams, specifically in the US.

+ Experience with Governance Risk and Compliance (GRC) tools (e.g., ServiceNow, Archer).

+ Industry certifications (e.g., CISA, CISM, CISSP, CCSP and/or other equivalent licenses/certifications).

+ Experience with Microsoft Applications - Outlook, Excel, SharePoint, Teams.

The wage range for this role takes into account the wide range of factors that are considered in making compensation decisions including but not limited to skill sets; experience and training; licensure and certifications; and other business and organizational needs. The disclosed range estimate has not been adjusted for the applicable geographic differential associated with the location at which the position may be filled. At Deloitte, it is not typical for an individual to be hired at or near the top of the range for their role and compensation decisions are dependent on the facts and circumstances of each case. A reasonable estimate of the current range is $72,900 - $149,700

Information for applicants with a need for accommodation: https://www2.deloitte.com/us/en/pages/careers/articles/join-deloitte-assistance-for-disabled-applicants.html

EA_ExpHire

RITM7857187

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability or protected veteran status, or any other legally protected basis, in accordance with applicable law.

Are you passionate about technology and interested in joining a community of collaborative colleagues who respectfully and courageously seek to challenge the status quo? If so, read on to learn more about an exciting opportunity with Deloitte Technology US (DT - US). We are curious and life-long learners focused on technology and innovation.

Recruiting for this role ends on Nov 8, 2024

Work you'll do

This individual will serve as a Senior Technology Risk Analyst within the Deloitte US Firm's Cyber Security, Risk & Compliance group. Primary responsibilities include performing information security risk assessment and deploying risk treatment techniques for both on-premises and cloud hosted IT applications and infrastructure.

Further, this individual will support the execution and continual enhancement of an information security risk assessment program, with emphasis on ISO 27001 or similar information security management systems.

Responsibilities:

+ Assist with developing and executing a repeatable risk assessment methodology.

+ Empower ISO certification by identifying, leading, and coordinating risk management activities through interviews, documentation analysis, and coordination with multiple stakeholder teams.

+ Apply the information security risk assessment process to identify risks associated with the loss of confidentiality, integrity, and availability.

+ Identify inherent risk, evaluate current state, and determine residual risk posture for a variety of information technology asset categories and asset types.

+ Evaluate information security threats and associated vulnerabilities.

+ Prepare risk assessment report deliverables for management review.

+ Coordinate with numerous stakeholder groups to develop risk remediation plans.

+ Advance risk treatment initiatives to lower risk profile per asset target

+ Support initiatives to educate technology functions on security and compliance requirements.

+ Performs other job-related duties as assigned.

The team

Deloitte Technology US (DT - US) helps power Deloitte's success, which serves many of the world's largest, most respected organizations. We develop and deploy cutting-edge internal and go-to-market solutions that help Deloitte operate effectively and lead in the market. Our reputation is built on a tradition of delivering with excellence.

The ~3,000 professionals in DT - US deliver services including:

+ Cyber Security

+ Technology Support

+ Technology & Infrastructure

+ Applications

+ Relationship Management

+ Strategy & Communications

+ Project Management

+ Financials

Cyber Security

Cyber Security vigilantly protects Deloitte and client data. The team leads a strategic cyber risk program that adapts to a rapidly changing threat landscape, changes in business strategies, risks, and vulnerabilities. Using situational awareness, threat intelligence, and building a security culture across the organization, the team helps to protect the Deloitte brand.

Areas of focus include:

+ Risk & Compliance

+ Identity & Access Management

+ Data Protection

+ Cyber Design

+ Incident Response

+ Security Architecture

+ Business Partnership

Required Qualifications:

+ Bachelor's degree or equivalent in Computer Science, Information Technology, Business Administration.

+ Minimum 5 years of relevant experience with information technology security programs, audits, controls, assessments, risk assessments, or remediation management (e.g., SOC 2, ISO27001, ISO27017, NIST800-53, PCAOB, etc.).

+ Limited immigration sponsorship may be available.

Preferred Qualifications:

+ Advanced degree preferred.

+ Exposure to cloud platforms such as AWS, Azure, or Google and associated risk management techniques

+ Strong communication, report writing and presentation skills.

+ Ability to work independently and cross-functionally in a virtual team environment.

+ Understanding of fundamental information technology and cloud computing concepts

+ Experience working with remote and virtual teams, specifically in the US.

+ Experience with Governance Risk and Compliance (GRC) tools (e.g., ServiceNow, Archer).

+ Industry certifications (e.g., CISA, CISM, CISSP, CCSP and/or other equivalent licenses/certifications).

+ Experience with Microsoft Applications - Outlook, Excel, SharePoint, Teams.

The wage range for this role takes into account the wide range of factors that are considered in making compensation decisions including but not limited to skill sets; experience and training; licensure and certifications; and other business and organizational needs. The disclosed range estimate has not been adjusted for the applicable geographic differential associated with the location at which the position may be filled. At Deloitte, it is not typical for an individual to be hired at or near the top of the range for their role and compensation decisions are dependent on the facts and circumstances of each case. A reasonable estimate of the current range is $72,900 - $149,700

Information for applicants with a need for accommodation: https://www2.deloitte.com/us/en/pages/careers/articles/join-deloitte-assistance-for-disabled-applicants.html

EA_ExpHire

RITM7857187

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability or protected veteran status, or any other legally protected basis, in accordance with applicable law.

**About this role:**

Wells Fargo is seeking a Loan Processor (SAFE) on the President's Club Processing Team as part of Home Lending Processing and Operations. Learn more about the career areas and business divisions at wellsfargojobs.com.

**In this role, you will:**

+ Support complex administrative, customer support and operational processes on home loan applications, including timely communication with external customers, agents, brokers, and counterparties to obtain missing information and documentation, submit loans for underwriting review

+ Identify ways to improve customer service experience.

+ Perform file review of complex home loan applications, communicate with customers in timely manner, review documentation and obtain missing information, clear stipulations, submit loans to underwriting for review, ensure all compliance and underwriting guidelines are met.

+ Prioritize and manage assigned pipeline to meet deadlines and performance metrics.

+ Provide guidance training to less experienced Loan Processors

+ Receive direction from supervisor and escalate non-routine questions to more experienced staff.

+ Collaborate and consult with peers, colleagues, and managers to resolve issues and achieve goals.

+ Interact with internal and external customers, and other counter-parties

+ Receive direction from leaders and exercise independent judgment while developing the knowledge to understand function, policies, procedures, and compliance requirements.

+ This SAFE position has customer contact and job duties which may include the offering/negotiating of terms and/or taking an application for a dwelling secured transaction. As such, this position requires compliance with the S.A.F.E. Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements, including acceptable background investigation results. Individuals in a SAFE position also must meet the Loan Originator requirements under Regulation Z (LO) outlined in the job expectations below.

**Required Qualifications:**

+ 2+ years of Loan Processing, Customer Service, Loan Administration, Collections, or Sales experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education.

**Desired Qualifications:**

+ 2 plus years' experience with Non-Conforming/Non-Agency/JUMBO Loans

+ 1 plus years' Experience with CORE

+ Strong Communication verbal and written skills.

+ Strong analytical skills with high attention to detail and accuracy

+ Ability to develop partnerships and collaborate with other business and functional areas.

+ Ability to gather, organize, and interpret data.

**Job Expectations:**

+ Visa sponsorship is NOT available for this position.

+ Relocation assistance is NOT available for this position.

+ Candidate MUST reside within a reasonable commute to one of the locations listed below.

+ This position offers a hybrid work schedule.

+ This position requires SAFE registration at the time of employment. Wells Fargo will initiate the SAFE registration process immediately after your employment start date. The Nationwide Mortgage Licensing System (NMLS) website ( http://fedregistry.nationwidelicensingsystem.org ) provides the MU4R questions and registration required for employment in this position. Individuals in Loan Originator (LO) positions must meet the Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies. The LO qualification requirements include meeting applicable financial responsibility, character, general financial fitness and criminal background standards. A current credit report will be used to assess your financial responsibility and credit fitness, however, a credit score is not included as part of the evaluation. Successful candidates must also meet ongoing regulatory requirements including additional screening, if necessary

**Posting Location:**

+ 1150 W WASHINGTON ST TEMPE, AZ

JOB POSTING MAY COME DOWN EARLY DUE TO HIGH VOLUME OF APPLICANTS!

**Posting End Date:**

25 Oct 2024

***Job posting may come down early due to volume of applicants.**

**We Value Diversity**

At Wells Fargo, we believe in diversity, equity and inclusion in the workplace; accordingly, we welcome applications for employment from all qualified candidates, regardless of race, color, gender, national origin, religion, age, sexual orientation, gender identity, gender expression, genetic information, individuals with disabilities, pregnancy, marital status, status as a protected veteran or any other status protected by applicable law.

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 US: 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.

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 .

**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.

**Company:** WELLS FARGO BANK

**Req Number:** R-411347

**Updated:** Wed Oct 23 00:25:46 UTC 2024

**Location:** TEMPE,Arizona