Senior Business Banking Relationship Manager (LO)

Wells Fargo Bank•West Saint Paul, MN

About The Position

At Wells Fargo, the Senior Business Banking Relationship Manager develops and grows business banking relationships involving moderately complex customer needs and portfolio risk. The role advises financial decision-makers, structures integrated banking solutions, leads issue resolution, and coordinates partners to support sustainable customer and business outcomes. The position is responsible for visiting customers and prospects outside the branch within an assigned market or geography. It is a Loan Originator (LO) role with customer contact and duties that may include assessing needs and referring customers interested in a dwelling-secured product to a SAFE team member. The role does not involve taking an application or offering or negotiating terms of a dwelling-secured transaction. Loan Originators must meet applicable Consumer Financial Protection Bureau qualification requirements and Wells Fargo policies, including standards for financial responsibility, character, general financial fitness, and criminal background. Ongoing regulatory requirements may include additional screening.

Requirements

4 or more years of business banking relationship management experience, or equivalent demonstrated through work experience, training, military experience, education, or a combination.
Meet applicable Loan Originator qualification requirements, including financial responsibility, character, general financial fitness, and criminal background standards.
Meet ongoing regulatory requirements, including additional screening if necessary.

Nice To Haves

2 or more 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.
3 or more years of business-to-business sales experience.
Experience supporting acquisitions, prospecting, and market expansion.
Skill in applying analytics insights and data analysis to client and business opportunities.
Ability to strengthen business retention through customer insights, consulting, and service delivery.
Understanding of compliance requirements and risk controls in business banking.
Ability to develop customer-centric solutions using product knowledge and customer needs.
Effective use of sales development, execution, planning, and strategy practices.
Ability to prepare proposals, structure deals, and manage stakeholder relationships.
Excellent verbal, written, and interpersonal communication skills.

Responsibilities

Acquire, manage, retain, and deepen a portfolio of business banking customers with moderately complex financial needs and risk profiles.
Advise business owners and financial decision-makers by evaluating financial performance, cash flow, collateral, operating cycles, and strategic priorities.
Develop new relationships through prospecting, community engagement, internal referrals, and established centers of influence.
Structure and present moderately complex secured and unsecured credit recommendations in partnership with credit and risk colleagues.
Coordinate integrated credit, deposit, treasury management, merchant services, and digital banking solutions across product teams.
Monitor portfolio quality, customer performance, documentation, covenant compliance, and emerging risks; lead timely mitigation and escalation.
Resolve moderately complex customer, credit, service, and implementation issues using independent judgment and knowledge of applicable requirements.
Lead relationship planning and pipeline disciplines, maintaining accurate customer and opportunity information in approved systems.
Collaborate with peers and mid-level managers to improve processes, customer outcomes, and risk controls.
Provide guidance to less experienced colleagues on relationship management, credit practices, and customer issue resolution.
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, without taking an application or offering or negotiating transaction terms.