Senior Business Relationship Manager (LO)
About The Position
Wells Fargo is seeking a Senior Business Banking Relationship Manager (LO) to be part of our growing Business Banking Team. This role will support customers in an assigned market by deepening relationships and engaging in prospecting activities. 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. Employees support Wells Fargo's focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit’s risk appetite and all risk and compliance program requirements.
Requirements
- 4+ years of banking experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
- Position will be responsible for visiting customers and prospects outside of the office location within an assigned market/geography
- Individuals in Loan Originator (LO) positions must meet the Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies
- The LO qualification requirements include meeting applicable financial responsibility, character, general financial fitness and criminal background standards
- A current credit report will be used to assess your financial responsibility and credit fitness, however, a credit score is not included as part of the evaluation
- Successful candidates must also meet ongoing regulatory requirements including additional screening, if necessary
Nice To Haves
- 2+ years of experience sourcing and or managing a portfolio of clients with $2mm - 25mm in annual revenue
- Strong knowledge of deposit and cash management products and services
- Strong relationship-building and excellent communication skills with individuals at all levels, internally and externally
- Ability to balances needs of clients with associated risks and interests of Wells Fargo
- 3+ years of experience in business-to-business sales
- Established network in the local market
- Knowledge and understanding of 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 strong Centers of Influence (COIs) to support long-term relationship development
- Deepen existing relationships by understanding client priorities and proactively identifying opportunities for engagement and expansion
- Manage a moderately complex book of business
- Drive portfolio growth by increasing core deposit balances and identifying deepening opportunities
- Proactively manage risk exposure and ensure alignment with underwriting policies and risk guidelines
- Conduct comprehensive financial and credit assessments including 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 a full suite of 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 creatively solve client challenges and streamline processes
- Engage financial decision-makers with proactive communication and responsive service
- Provide actionable feedback to enhance tools and offerings that elevate client experience and operational excellence
- Retain and grow client relationships by advising on financial strategies and managing expectations with transparency and care
- Needs assessing and referring those customers interested in a dwelling secured product to a SAFE team member
- Assisting customers without taking an application and without offering or negotiating terms of a dwelling secured transaction
- Meet the Loan Originator requirements under Regulation Z (LO)
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What This Job Offers
Job Type
Full-time
Career Level
Senior
Education Level
No Education Listed
