Business Banker (LO) Bellingham WA

Wells Fargo•Bellingham, WA

4d•$28 - $42•Onsite

About The Position

Wells Fargo is seeking 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 growth and new-client acquisition. The banker delivers a branded, client-centric experience and positions Wells Fargo as a trusted partner. The Business Banker assesses each client’s goals, operations, and financial needs, then recommends appropriate financial solutions and digital services. The role offers business accounts, credit, treasury services, and digital tools, and partners with Relationship Managers, Lending Officers, and other internal banking channels to support clients and manage complex lending needs in accordance with underwriting policies and risk guidelines. This Loan Originator (LO) 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 may not take an application or offer or negotiate terms for a dwelling-secured transaction. LO registration is required at the time of employment, and the position is subject to applicable regulatory qualifications and ongoing screening. The role is based at the Bellingham, Washington branch; placement may be within 10 miles of the branch. The position is not eligible for visa sponsorship.

Requirements

At least 2 years of financial services, sales, or customer service experience, or equivalent demonstrated through work experience, training, military experience, education.
Must obtain Loan Originator 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.
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.
Ability to proactively source, acquire, build, and maintain relationships with customers and colleagues.
Business acumen and experience providing 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.

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 deepening and new-client acquisition.
Deliver a branded, client-centric experience that supports growth and establishes Wells Fargo 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 solutions in compliance with policies and procedures.
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 ensure 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 an application or offering or negotiating transaction terms.
Meet applicable Loan Originator registration, qualification, and ongoing regulatory requirements.
Follow applicable risk and compliance programs, policies, and procedures; escalate and remediate issues appropriately and make sound risk decisions.