Business Banker (LO) Matthews, NC

Wells Fargo Bank•Matthews, NC

4d•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 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 and relationship deepening through new client acquisition. The Business Banker provides a branded, client-centric experience and works to position Wells Fargo as a trusted partner. The role involves understanding clients’ goals, operations, and financial needs; recommending tailored financial solutions; and advising on business accounts, credit, treasury services, and digital tools. The banker prospects and networks to develop customer relationships and referrals, collaborates with internal banking channels, Relationship Managers, and Lending Officers, and follows applicable underwriting, risk, compliance, and regulatory requirements. 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 role does not involve taking applications or offering or negotiating terms for dwelling-secured transactions. LO registration is required at employment, and candidates must meet applicable Consumer Financial Protection Bureau qualification requirements and ongoing regulatory standards. Visa sponsorship is not available. Banker placement may be within a 10-mile radius 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.
Meet Consumer Financial Protection Bureau qualification requirements for Loan Originator positions, including applicable financial responsibility, character, general financial fitness, and criminal background standards.
Obtain LO registration at the time of employment and 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.
Bilingual Spanish skills.
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.
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 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.

Responsibilities

Manage and grow a portfolio of low- to moderately complex business clients, typically with $500,000 to $2 million in annual sales, through onboarding, relationship deepening, and new client acquisition.
Deliver a branded, client-centric experience that supports growth and establishes the bank as a trusted partner.
Understand and offer Wells Fargo financial solutions and digital services, using available tools to provide tailored recommendations.
Analyze clients’ operations, goals, priorities, and financial needs to recommend suitable financial solutions 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 high-quality referrals and grow the small business customer base.
Collaborate with internal banking channels to support business owners and develop the broader customer relationship.
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, without taking applications or offering or negotiating transaction terms.
Meet LO registration, qualification, and ongoing regulatory requirements.