Business Banker (LO) Matthews, NC

Wells Fargo•Matthews, NC

5d•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. 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 acts as a trusted partner by identifying business goals and needs and recommending relevant financial solutions. The position offers business accounts, credit, treasury services, and digital services, and involves prospecting, networking, and collaborating with internal banking channels, Relationship Managers, and Lending Officers. The role has customer contact and may assess needs and refer customers interested in dwelling-secured products to a SAFE team member, but does not take applications or offer or negotiate terms for those transactions. This Loan Originator position requires LO registration at the time of employment. Wells Fargo will initiate the registration process after the employment start date. Candidates must meet applicable Consumer Financial Protection Bureau qualification standards and ongoing regulatory requirements, including financial responsibility, character, general financial fitness, and criminal background standards. The position is not eligible for visa sponsorship. Banker placement may be within 10 miles of the applied-to branch.

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 qualification requirements, including applicable financial responsibility, character, general financial fitness, and criminal background standards.
Must meet ongoing regulatory requirements, including additional screening if necessary.
Must 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 of experience managing a dedicated book of small-business customers across an assigned territory.
Bilingual Spanish.
Ability to proactively source, acquire, build, and maintain relationships with customers and colleagues.
Strong 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 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 customers and employees with integrity and professionalism.
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, from onboarding through relationship deepening and acquisition of new clients.
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, priorities, and financial needs to provide suitable recommendations 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 gain their full relationship.
Partner with Relationship Managers and Lending Officers on complex structures and align 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 programs, policies, procedures, compliance obligations, and escalation requirements.