Senior Business Banking Relationship Manager (LO)

Wells Fargo Bank•Gaithersburg, MD

1d•$104,000 - $168,000•Onsite

About The Position

Wells Fargo is seeking a Senior Business Banking Relationship Manager to support customers in an assigned local market by deepening relationships and engaging in prospecting activities. The role manages a moderately complex book of business, sources and onboards new business clients, and grows the portfolio through stronger client relationships, increased core deposits, and additional business banking opportunities. The position assesses business clients’ financial and credit needs, evaluates cash flow, collateral, and operating cycles, and structures or supports secured and unsecured credit solutions within delegated authority. It recommends and delivers Wells Fargo business banking products, including credit, treasury management, and digital banking tools, while coordinating with credit partners, product teams, and other stakeholders. The role also proactively manages risk and provides responsive, transparent client service. This Loan Originator (LO) position involves customer contact and may include assessing needs and referring customers interested in dwelling-secured products to a SAFE team member. The role does not involve taking an application for, or offering or negotiating terms of, a dwelling-secured transaction. The position requires compliance with applicable LO qualification and regulatory requirements, including financial responsibility, character, general financial fitness, and criminal background standards. A current credit report is used to assess financial responsibility and credit fitness; a credit score is not part of the evaluation. The employee must also meet ongoing regulatory requirements, including additional screening if necessary. The role is responsible for visiting customers and prospects outside the branch within an assigned market or geography. The listed posting location is 607 N Frederick Ave, Gaithersburg, MD 20879. Base pay is listed as $104,000 to $168,000, with potential incentive opportunities. Pay may vary based on factors such as performance, skills, experience, and work location.

Requirements

At least 4 years of banking experience, or equivalent demonstrated through work experience, training, military experience, or education.
Meet Consumer Financial Protection Bureau qualification requirements for Loan Originator positions and comply with related Wells Fargo policies.
Meet applicable financial responsibility, character, general financial fitness, and criminal background standards, along with ongoing regulatory requirements.
Ability to visit customers and prospects outside the branch within an assigned market or geography.

Nice To Haves

At least 2 years of experience sourcing and/or managing a portfolio of clients with $2 million–$25 million in annual revenue.
Strong knowledge of deposit and cash management products and services.
Strong relationship-building skills and excellent communication skills with individuals at all levels, internally and externally.
Ability to balance client needs with associated risks and Wells Fargo’s interests.
At least 3 years of business-to-business sales experience.
Established network in the local market.
Knowledge and understanding of the financial services industry.
Excellent verbal, written, and interpersonal communication skills.
Intermediate Microsoft Office skills.
A BS/BA degree or higher.

Responsibilities

Source and onboard new business clients through strategic prospecting, community outreach, and internal referrals.
Build visibility and develop Centers of Influence (COIs) to support long-term relationship development.
Deepen existing relationships by understanding client priorities and identifying opportunities for engagement and expansion.
Manage a moderately complex book of business.
Grow the portfolio by increasing core deposit balances and identifying opportunities to deepen relationships.
Manage risk exposure and ensure alignment with underwriting policies and risk guidelines.
Conduct financial and credit assessments, including analysis of cash flow, collateral, and business operating cycles.
Structure and support secured and unsecured credit solutions within delegated authority, coordinating with credit partners as needed.
Present credit recommendations and financial strategies to clients and internal stakeholders.
Recommend and deliver business banking products, including credit, treasury management, and digital banking tools.
Tailor solutions to clients’ operating cycles, cash flow needs, and strategic goals.
Collaborate with product teams and internal stakeholders to solve client challenges and streamline processes.
Engage financial decision-makers through proactive communication and responsive service.
Provide feedback to improve tools, offerings, client experience, and operational excellence.
Retain and grow client relationships by advising on financial strategies and managing expectations transparently and carefully.
Assess customer needs and refer customers interested in dwelling-secured products to a SAFE team member; do not take an application or offer or negotiate transaction terms.
Visit customers and prospects outside the branch within the assigned market or geography.
Follow applicable risk and compliance programs, policies, and procedures; monitor, identify, escalate, and remediate issues as appropriate.
Meet applicable Loan Originator qualification requirements and ongoing regulatory requirements.