Business Banker (LO) Ponte Vedra Beach

Wells Fargo•Ponte Vedra Beach, FL

6d•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 through its 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 growth and new-client acquisition. The banker delivers a client-centric experience and serves as a trusted partner to business owners. The Business Banker learns clients’ goals, operations, and financial needs, then recommends suitable financial solutions and digital services. The role offers business accounts, credit, treasury services, and digital tools; develops client and partner relationships through prospecting and networking; and collaborates with internal banking channels, Relationship Managers, and Lending Officers. Complex credit structures must be aligned with underwriting policies and risk guidelines. This Loan Originator (LO) position may involve assessing customer needs and referring customers interested in dwelling-secured products to a SAFE team member. The banker may assist customers but may not take an application for, or offer or negotiate terms of, a dwelling-secured transaction. LO registration is required at employment, along with applicable regulatory qualifications and ongoing screening. The role is based at Sawgrass Village in Ponte Vedra Beach, Florida; placement may be within 10 miles of the branch applied to.

Requirements

At least 2 years of financial services, sales, or customer service experience, or equivalent experience demonstrated through work, training, military experience, or education.
Must meet Loan Originator registration and applicable Consumer Financial Protection Bureau qualification requirements, including financial responsibility, character, general financial fitness, and criminal background standards.
Must meet ongoing regulatory requirements, including additional screening if necessary.
Must be able to comply with Wells Fargo policies and procedures and applicable risk and compliance obligations.
Not eligible for visa sponsorship.

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 customer and colleague relationships.
Experience applying 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 experience handling complex transactions across multiple systems.
Knowledge of retail compliance controls, risk management, and loss prevention.
Ability to educate customers about technology and communicate the value of mobile banking options.
Ability to interact with customers and employees with integrity and professionalism.
Experience mentoring and peer-coaching others.
Spanish bilingual skills are 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, across onboarding, relationship deepening, and new-client acquisition.
Understand clients’ business goals, operations, and financial needs, and provide tailored financial recommendations in accordance with policies and procedures.
Offer business accounts, credit, treasury services, digital tools, and other Wells Fargo financial solutions to business clients.
Use available tools and product knowledge to recommend relevant financial solutions and digital services.
Prospect and network with external and internal partners to build relationships, generate referrals, and grow the small business customer base.
Collaborate with internal banking channels to support business owners and develop their broader banking relationships.
Partner with Relationship Managers and Lending Officers on complex structures and align activity with underwriting policies and risk guidelines.
Assess customer needs related to dwelling-secured products and refer interested customers to a SAFE team member; do not take applications or offer or negotiate transaction terms.
Follow applicable risk, compliance, regulatory, credit, and operational requirements; escalate and remediate issues as appropriate.