Business Banker (LO) Phoenix, AZ

Wells Fargo Bank•Phoenix, AZ

1d•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 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 deepening and new-client acquisition. The Banker delivers a branded, client-centric experience and positions Wells Fargo as a trusted partner. The position involves understanding clients’ goals, operations, and financial needs; recommending suitable financial solutions; and offering business accounts, credit, treasury services, and digital tools. The Banker also prospects and networks to generate referrals, collaborates with internal banking channels, and partners with Relationship Managers and Lending Officers on complex structures in accordance with underwriting and risk guidelines. This Loan Originator position includes customer contact and may involve assessing needs and referring customers interested in dwelling-secured products to a SAFE team member. The Banker may assist customers but must not take an application or offer or negotiate terms for a dwelling-secured transaction. LO registration is required at employment, along with applicable regulatory qualification and ongoing screening requirements. The role is based at the Phoenix branch, with placements potentially within a 10-mile radius of the branch applied to.

Requirements

At least 2 years of financial services, sales, or customer service experience, or equivalent demonstrated through work experience, training, military experience, or education.
Must obtain LO registration at the time of employment and meet 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 comply with Wells Fargo policies and procedures applicable to Loan Originator positions.

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 relationships with customers and colleagues.
Experience using 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 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 and understanding 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 integrity and professionalism with customers and employees.
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, throughout onboarding, relationship deepening, and new-client acquisition.
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 suited to business clients, using available tools and providing tailored recommendations.
Analyze clients’ operations, goals, priorities, and financial needs to make recommendations aligned with their objectives and applicable policies.
Offer 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 maintain alignment 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, and regulatory requirements, escalate issues, and make sound risk decisions.