Business Banker (LO) -Chester,VA

Wells Fargo Bank•Chester, VA

3d•Onsite

About The Position

Wells Fargo is seeking a Business Banker (LO) in Consumer Banking and Lending to build, maintain, and grow relationships with business banking clients in the 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 branded, client-centric experience and serves as a trusted partner by understanding clients’ goals, analyzing their business operations and priorities, and recommending suitable financial solutions and digital services. The position offers business accounts, credit, treasury services, and digital tools; prospects and networks to develop customer relationships and referrals; and collaborates with internal banking channels, Relationship Managers, and Lending Officers. For complex structures, the banker supports alignment with underwriting policies and risk guidelines. The role may involve assessing needs and referring customers interested in a dwelling-secured product to a SAFE team member, but does not involve taking applications or offering or negotiating terms for dwelling-secured transactions. This Loan Originator position requires LO registration at employment. Wells Fargo initiates the registration process after the employment start date. Candidates must meet applicable Consumer Financial Protection Bureau and Wells Fargo requirements, including financial responsibility, character, general financial fitness, and criminal background standards, as well as ongoing regulatory screening. The role is not eligible for visa sponsorship. The branch is in Chester, Virginia; banker placement may be within a 10-mile radius of the branch applied to. Base pay is $25.48–$37.98, with possible incentive opportunities. Pay may vary based on performance, skills, experience, and work location.

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 obtain LO registration at the time of employment and meet applicable regulatory 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 eligible to work without visa sponsorship; the position is 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.
Experience proactively sourcing, acquiring, building, and maintaining relationships with customers and colleagues.
Business acumen applied to financial-services consultation for 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 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 customers and employees with integrity and professionalism.
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.
Own the client journey from onboarding through deepening relationships and acquiring new clients.
Understand clients’ business goals, operations, priorities, and financial needs, and provide tailored recommendations.
Offer business accounts, credit, treasury services, and digital tools, using available resources to recommend appropriate solutions.
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 their broader banking relationships.
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.
Follow applicable Wells Fargo policies, procedures, and risk and compliance requirements.