Business Banker (LO) Raleigh

Wells Fargo & Company • Raleigh, NC

5d • Onsite

About The Position

Wells Fargo is seeking a Business Banker (LO) in Raleigh. In this role, you will manage and grow a portfolio of low to moderately complex business clients, typically with $500K to $2MM in annual sales. You will own the full client journey from onboarding to deepening relationships and acquiring new clients, delivering a branded, client-centric experience that drives growth and positions the bank as a trusted partner. You will develop a strong understanding of each client’s goals and financial needs by analyzing their operations and priorities, providing tailored financial recommendations that align with their objectives while staying compliant with policies and procedures. You will act as a trusted advisor by offering a full range of products and services including business accounts, credit, treasury services, and digital tools. You will actively prospect and network to build strong relationships with both external and internal partners to drive high-quality referrals and grow the small business customer base, collaborating with all internal banking channels to support business owners to gain the entire relationship. You will partner with Relationship Managers and Lending Officers for complex structures and ensure alignment with underwriting policies and risk guidelines. This LO position has customer contact and job duties which may include needs assessing and referring those customers interested in a dwelling secured product to a SAFE team member. This position includes assisting customers without taking an application and without offering or negotiating terms of a dwelling secured transaction. Individuals in a LO position also must meet the Loan Originator requirements under Regulation Z (LO) outlined in the job expectations below.

Requirements

• 2+ years of financial services, sales, or customer service experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
• Individuals in Loan Originator (LO) positions must meet the Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies.
• The LO qualification requirements include meeting applicable financial responsibility, character, general financial fitness and criminal background standards.
• A current credit report will be used to assess your financial responsibility and credit fitness, however, a credit score is not included as part of the evaluation.
• Successful candidates must also meet ongoing regulatory requirements including additional screening, if necessary

Nice To Haves

• 2+ years of in-branch business banking experience
• 1+ year of experience managing a dedicated book of small business customers across assigned territory
• Proficient with proactively sourcing, acquiring, building, and maintaining relationships with customers and colleagues
• Experience using strong business acumen to provide financial services consultation to business customers
• Extensive knowledge and understanding of bank lending programs, credit policies, and specialty products
• High motivation with ability to successfully meet team objectives while maintaining individual performance
• Ability to manage expectations and conduct follow-ups with customers and Wells Fargo partners
• Customer service focus with experience handling complex transactions across multiple systems
• Knowledge and understanding of retail compliance controls, risk management, and loss prevention
• Ability to educate and connect customer to technology and share 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 a plus

Responsibilities

• Manage and grow a portfolio of low to moderately complex business clients
• Own the full client journey from onboarding to deepening relationships and acquiring new clients
• Deliver a branded, client-centric experience that drives growth and positions the bank as a trusted partner
• Understand and offer a suite of financial solutions and digital services available through Wells Fargo
• Develop strong understanding of each client’s goals, and financial needs by analyzing their operations and priorities
• Provide tailored financial recommendations that align with their objectives while staying compliant with policies and procedures
• Act as a trusted advisor by offering a full range of products and services including business accounts, credit, treasury services, and digital tools
• Actively prospect and network to build strong relationships with both external and internal partners to drive high-quality referrals and grow the small business customer base
• Collaborate with all internal banking channels to support business owners to gain entire relationship
• Partner with Relationship Managers and Lending Officers for complex structures and ensure alignment with underwriting policies and risk guidelines
• Meet the Loan Originator requirements under Regulation Z (LO)

Benefits

• Wells Fargo is an equal opportunity employer.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: No Education Listed