Business Banker (LO) Cumberland Square

Wells Fargo Bank•Bettendorf, IA

14d•Onsite

About The Position

Wells Fargo is seeking a Business Banker 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 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 role delivers a branded, client-centric experience and positions Wells Fargo as a trusted partner. The Business Banker identifies client goals and financial needs by analyzing business operations and priorities, then provides tailored recommendations and a suite of financial solutions and digital services. Products and services include business accounts, credit, treasury services, and digital tools. The role involves prospecting and networking, developing internal and external referral relationships, and collaborating with banking channels, Relationship Managers, and Lending Officers. For complex structures, the banker partners with those colleagues and follows underwriting policies and risk guidelines. This Loan Originator position may involve assessing customer 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. Loan Originators must meet applicable Consumer Financial Protection Bureau qualification requirements and Wells Fargo policies, including financial responsibility, character, financial fitness, and criminal-background standards, as well as ongoing regulatory screening requirements. This 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, or a combination of these.
Meet Consumer Financial Protection Bureau qualification requirements for Loan Originators and applicable Wells Fargo financial responsibility, character, financial fitness, criminal-background, and ongoing regulatory screening standards.
Comply with applicable Wells Fargo policies and regulatory requirements.

Nice To Haves

More than 2 years of in-branch business banking experience.
At least 1 year managing a dedicated book of business customers across an assigned territory.
Proficiency in sourcing, acquiring, building, and maintaining relationships with customers and colleagues.
Experience using business acumen to provide 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 integrity and professionalism with customers and employees.
Experience mentoring and peer-coaching others.
Fluency in Spanish is a plus.

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 and build trusted relationships with business clients.
Understand and offer Wells Fargo financial solutions and digital services, using available tools to provide tailored recommendations.
Analyze clients’ business operations, goals, priorities, and financial needs to recommend suitable solutions while following policies and procedures.
Offer business accounts, credit, treasury services, and digital tools.
Prospect and network to build relationships with external and internal partners, generate high-quality referrals, and grow the small-business customer base.
Collaborate with internal banking channels to support business owners and develop the full customer 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 and remediate issues, and make sound risk decisions.

Benefits

Health benefits
401(k) plan
Paid time off
Disability benefits
Life insurance, critical illness insurance, and accident insurance
Parental leave
Critical caregiving leave
Discounts and savings
Commuter benefits
Tuition reimbursement
Scholarships for dependent children
Adoption reimbursement
Potential sales incentives, discretionary bonuses, and/or restricted stock units, depending on role and eligibility