Business Banker (LO) - Raleigh, NC

Military Spouse Corporate Career Network•Raleigh, NC

3d•Onsite

About The Position

Wells Fargo is seeking a Business Banker to manage and grow a portfolio of low to moderately complex business clients, typically with $500K to $2MM in annual sales. This role involves owning the full client journey from onboarding to deepening relationships and acquiring new clients, while delivering a branded, client-centric experience that drives growth and positions the bank as a trusted partner. The Business Banker will understand and offer a suite of financial solutions and digital services available through Wells Fargo to meet client needs, acting as a product expert to deliver tailored recommendations. They will develop a strong understanding of each client’s goals and financial needs by analyzing their operations and priorities, providing tailored financial recommendations while staying compliant with policies and procedures. The role also involves actively prospecting and networking to build relationships with external and internal partners for referrals and to grow the small business customer base, collaborating with internal banking channels to support business owners. 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
Meet the Loan Originator requirements under Regulation Z (LO)
Meet the Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies.
Meet applicable financial responsibility, character, general financial fitness and criminal background standards.

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; typically, $500K to $2MM in annual sales, by owning the full client journey from onboarding to deepening relationships and acquiring new clients while delivering 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 to meet the needs of our business clients, leveraging available tools and positioning yourself as a product expert to deliver tailored, impactful recommendations
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
Assess customer needs and refer those interested in a dwelling secured product to a SAFE team member.
Assist customers without taking an application and without offering or negotiating terms of a dwelling secured transaction.