Business Banker (LO) Belmont, NC

Wells Fargo•Belmont, NC

4d•Onsite

About The Position

Wells Fargo is hiring a Business Banker in Consumer Banking and Lending to build, maintain, and grow relationships with business banking clients in branches. The role manages a portfolio of low- to moderately-complex business clients, typically with $500,000 to $2 million in annual sales, and owns the client journey from onboarding and relationship deepening through new-client acquisition. The banker provides a branded, client-centric experience and acts as a trusted advisor, matching clients’ goals and financial needs with business accounts, credit, treasury services, digital tools, and other Wells Fargo solutions. The position includes customer contact and may involve assessing needs and referring customers interested in dwelling-secured products to a SAFE team member. The banker may assist customers in this context but may not take an application or offer or negotiate terms of a dwelling-secured transaction. Loan Originator registration is required at employment, along with applicable Consumer Financial Protection Bureau qualifications and ongoing regulatory requirements. Wells Fargo initiates the registration process after the employee’s start date. The position is not eligible for visa sponsorship. Banker placements may be within a 10-mile radius of the branch applied to.

Requirements

At least 2 years of financial services, sales, or customer service experience, or equivalent demonstrated through work experience, training, military experience, education, or a combination of these.
Must obtain Loan Originator registration at the time of employment and meet applicable Consumer Financial Protection Bureau qualification requirements, including financial responsibility, character, general financial fitness, and criminal background standards.
Must meet ongoing regulatory requirements, which may include additional screening.
Must be able to comply with applicable Wells Fargo policies and procedures and risk and compliance requirements.

Nice To Haves

At least 2 years of in-branch business banking experience.
At least 1 year managing a dedicated book of small-business customers across an assigned territory.
Spanish/English bilingual speaking and listening proficiency; Spanish bilingual ability is noted as a plus.
Ability to proactively source, acquire, build, and maintain relationships with customers and colleagues.
Business acumen and experience providing financial-services consultation to business customers.
Extensive knowledge of bank lending programs, credit policies, and specialty products.
Motivation and ability to meet team objectives while maintaining individual performance.
Ability to manage expectations and follow up with customers and Wells Fargo partners.
Customer-service focus and experience handling complex transactions across multiple systems.
Knowledge of retail compliance controls, risk management, and loss prevention.
Ability to educate customers about technology and the value of mobile banking options.
Ability to interact with integrity and professionalism with customers and employees.
Experience mentoring and peer-coaching others.

Responsibilities

Manage and grow a portfolio of low- to moderately-complex business clients, typically with $500,000 to $2 million in annual sales, across onboarding, relationship deepening, and new-client acquisition.
Deliver a branded, client-centric experience that supports growth and positions the bank as a trusted partner.
Understand and offer Wells Fargo financial solutions and digital services, using available tools and product knowledge to make tailored recommendations.
Analyze clients’ operations, goals, priorities, and financial needs and provide recommendations aligned with their objectives and applicable policies and procedures.
Advise clients on a range of products and services, including business accounts, credit, treasury services, and digital tools.
Prospect and network with external and internal partners to generate referrals and grow the small-business customer base.
Collaborate with internal banking channels to support business owners and develop the broader client relationship.
Partner with Relationship Managers and Lending Officers on complex structures and align activity with underwriting policies and risk guidelines.
Assess customer needs and refer customers interested in dwelling-secured products to a SAFE team member; do not take applications or offer or negotiate transaction terms.
Follow applicable risk and compliance programs, policies, procedures, escalation requirements, and regulatory obligations.