Business Banker (LO) - Clifton Main,NJ

Wells Fargo Bank•Clifton, NJ

7d•Onsite

About The Position

Wells Fargo is seeking 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 through relationship deepening and new-client acquisition. The banker delivers a branded, client-centric experience and serves as a trusted partner to business customers. The position involves understanding clients’ goals, operations, and financial needs; recommending suitable Wells Fargo financial solutions and digital services; and offering products such as business accounts, credit, treasury services, and digital tools. The banker actively prospects and networks, develops internal and external partnerships, and works with Relationship Managers and Lending Officers on complex structures in alignment with underwriting policies and risk guidelines. This Loan Originator (LO) role includes customer contact and may involve assessing needs and referring customers interested in dwelling-secured products to a SAFE team member. The role does not involve taking an application or offering or negotiating terms for a dwelling-secured transaction. LO registration is required at employment, and candidates must meet applicable regulatory qualification and ongoing screening requirements. 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, or education.
Meet Consumer Financial Protection Bureau qualification requirements for Loan Originator positions, including applicable financial responsibility, character, general financial fitness, and criminal background standards.
Complete required LO registration at the time of employment and meet ongoing regulatory requirements, including additional screening if necessary.

Nice To Haves

At least 2 years of in-branch business banking experience.
At least 1 year of experience managing a dedicated book of small business customers across an assigned territory.
Proficiency in proactively sourcing, acquiring, building, and maintaining relationships with customers and colleagues.
Experience using business acumen to provide financial services consultation to business customers.
Extensive knowledge of bank lending programs, credit policies, and specialty products.
High 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.
Bilingual Spanish is a plus.

Responsibilities

Manage and grow a portfolio of low- to moderately complex business clients, typically with $500,000 to $2 million in annual sales, overseeing onboarding, relationship development, and new-client acquisition.
Deliver a branded, client-centric experience that supports growth and positions Wells Fargo 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, and priorities to identify financial needs and recommend appropriate solutions while complying with policies and procedures.
Offer business accounts, credit, treasury services, and digital tools.
Prospect and network to build relationships with external and internal partners, generate referrals, and grow the small business customer base.
Collaborate with internal banking channels to support business owners and develop the full client relationship.
Partner with Relationship Managers and Lending Officers on complex structures and maintain alignment 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.
Meet LO registration, regulatory qualification, and ongoing compliance requirements.