Business Banker - Havertown, PA

Wells Fargo•Havertown, PA

11d•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, with frequent client interactions to understand and meet their needs. The banker manages low- to moderately complex business clients, typically businesses with $500,000 to $2 million in annual sales, and owns the client journey from onboarding through relationship development and new-client acquisition. The position delivers a branded, client-centric experience and positions Wells Fargo as a trusted partner. The banker develops an understanding of clients’ goals, operations, and financial needs; recommends suitable financial solutions; and offers business accounts, credit, treasury services, and digital tools. The role also involves prospecting, networking, generating referrals, and collaborating with internal banking channels, Relationship Managers, and Lending Officers. The position has customer contact and may include assessing needs and referring customers interested in dwelling-secured products to a SAFE team member, but does not involve taking applications or offering or negotiating terms for those transactions. This Loan Originator position requires LO registration at the time of employment. Wells Fargo initiates the registration process after the employment start date. Candidates must satisfy applicable Consumer Financial Protection Bureau qualification requirements, including financial responsibility, character, financial fitness, and criminal background standards, and ongoing regulatory requirements. The position is not eligible for visa sponsorship. Banker placements 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 demonstrated through work experience, training, military experience, education, or a combination.
Must obtain LO registration at the time of employment and meet applicable Consumer Financial Protection Bureau qualification requirements, including financial responsibility, character, financial fitness, and criminal background standards.
Must meet ongoing regulatory requirements, including additional screening if necessary.
Position is not eligible for visa sponsorship.

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 conduct follow-ups 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 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 development and new-client acquisition.
Deliver a branded, client-centric experience that supports growth and establishes the bank as a trusted partner.
Understand and present 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 recommendations aligned with their objectives and applicable 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 maintain alignment 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, Wells Fargo policies and procedures, and regulatory and compliance requirements; monitor, identify, escalate, and remediate issues as appropriate.