Senior Business Banking Relationship Manager (LO)

Wells Fargo & Company•Gaithersburg, MD

26d•$104,000 - $168,000•Onsite

About The Position

Wells Fargo is hiring a Senior Business Banking Relationship Manager to support customers in an assigned local market by deepening client relationships and prospecting for new business. The role manages a moderately complex book of business, develops visibility and Centers of Influence, and grows client relationships and portfolio balances. The position recommends Wells Fargo business banking products and services, including credit, treasury management, and digital banking tools, with solutions tailored to client operating cycles, cash flow needs, and strategic goals. The role conducts financial and credit assessments, structures and supports secured and unsecured credit solutions within delegated authority, and coordinates with credit partners as needed. It proactively manages risk exposure and follows underwriting policies and risk guidelines. The position involves visiting customers and prospects outside the branch within an assigned market or geography. This Loan Originator position may involve assessing customer needs and referring customers interested in dwelling-secured products to a SAFE team member. The role does not involve taking an application or offering or negotiating terms for a dwelling-secured transaction. Loan Originator qualification and ongoing regulatory requirements apply. The listed base pay range is $104,000 to $168,000. Employees may also be eligible for incentive opportunities. Wells Fargo offers eligible employees a comprehensive benefits package.

Requirements

At least 4 years of banking experience, or equivalent demonstrated through work experience, training, military experience, education, or a combination.
Loan Originator candidates must meet applicable Consumer Financial Protection Bureau qualification requirements, including financial responsibility, character, general financial fitness, and criminal background standards, and must meet ongoing regulatory requirements.
A current credit report will be used to assess financial responsibility and credit fitness; a credit score is not included in the evaluation.

Nice To Haves

At least 2 years of experience sourcing and/or managing a portfolio of clients with $2 million to $25 million in annual revenue.
Strong knowledge of deposit and cash management products and services.
Strong relationship-building and 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 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 relationship-deepening opportunities.
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 Wells Fargo business banking products, including credit, treasury management, and digital banking tools.
Tailor solutions to client operating cycles, cash flow needs, and strategic goals.
Collaborate with product teams and internal stakeholders to address client challenges and streamline processes.
Communicate proactively with financial decision-makers and provide 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.
Visit customers and prospects outside the branch within the assigned market or geography.
Assess needs and refer customers interested in dwelling-secured products to a SAFE team member when applicable, without taking an application or offering or negotiating transaction terms.