Business Banker (LO)

Wells Fargo•Asheville, NC

6d•Onsite

About The Position

Wells Fargo is seeking a Business Banker (LO) in Consumer Banking and Lending. The role builds, maintains, and grows relationships with business banking clients in branches through frequent client interactions and needs assessment. The Business Banker 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 role provides a branded, client-centric experience and tailored recommendations across business accounts, credit, treasury services, and digital tools, while complying with bank policies and procedures. The position requires customer contact and may involve assessing needs and referring customers interested in dwelling-secured products to a SAFE team member. The role assists customers but does not take applications for, offer terms for, or negotiate dwelling-secured transactions. The employee must meet Loan Originator (LO) registration and qualification requirements under Regulation Z and applicable Consumer Financial Protection Bureau standards.

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.
Obtain Loan Originator registration at the time of employment and meet applicable LO qualification requirements, including financial responsibility, character, general financial fitness, and criminal background standards.
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.
Ability to proactively source, acquire, build, and maintain relationships with customers and colleagues.
Experience applying strong 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 communicate 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, across onboarding, relationship deepening, and new-client acquisition.
Deliver a branded, client-centric experience that drives 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 appropriate recommendations while complying with policies and procedures.
Advise clients on 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 full client relationship.
Partner with Relationship Managers and Lending Officers on complex structures and align with underwriting policies and risk guidelines.
Assess customer needs related to dwelling-secured products and refer interested customers to a SAFE team member, without taking applications or offering or negotiating transaction terms.
Follow applicable risk and compliance programs, policies, procedures, escalation requirements, and regulatory obligations.