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Wells Fargo

Nationwide banking and financial services

Business Banker

Retail & Commercial BankingPosted on Oct 27
Full-timeSioux Falls, SD, USA

About the Job

Requirements

  • At least 2 years of financial services, sales, or customer service experience, or equivalent demonstrated through work experience, training, military experience, or education.
  • Loan Originators must meet Consumer Financial Protection Bureau qualification requirements and related Wells Fargo policies, including applicable financial responsibility, character, general financial fitness, and criminal background standards. A current credit report is used to assess financial responsibility and credit fitness; credit score is not included in the evaluation.
  • Successful candidates must meet ongoing regulatory requirements, including additional screening if necessary.

Responsibilities

  • Manage and grow a portfolio of low- to moderately-complex business clients, typically with $500,000 to $2 million in annual sales, owning the full client journey from onboarding to deepening relationships and acquiring new clients.
  • Offer financial solutions and digital services to business clients, using available tools and product expertise to make tailored recommendations.
  • Analyze clients’ operations, goals, and financial needs and provide tailored recommendations in compliance with policies and procedures.
  • Advise clients on business accounts, credit, treasury services, and digital tools.
  • Prospect and network with external and internal partners to develop relationships, generate referrals, and grow the small business customer base; collaborate with internal banking channels to support business owners and build complete client relationships.
  • Partner with Relationship Managers and Lending Officers on complex structures and align with underwriting policies and risk guidelines.
  • Assess customer needs and refer customers interested in dwelling-secured products to a SAFE team member; assist without taking an application or offering or negotiating transaction terms.
  • Execute applicable risk programs, follow Wells Fargo policies and procedures, fulfill risk and compliance obligations, escalate and remediate issues, and make sound risk decisions.
  • Proactively monitor risk, support governance and risk identification and escalation, and make decisions consistent with business risk appetite and risk-program requirements.

Desired Qualifications

  • At least 2 years of in-branch business banking experience.
  • At least 1 year of experience managing a dedicated book of business customers across an assigned territory.
  • Proficiency in sourcing, acquiring, building, and maintaining customer and colleague relationships.
  • Experience applying business acumen to provide financial services consultation to business customers.
  • Extensive knowledge of bank lending programs, credit policies, and specialty products.
  • Ability to meet team objectives while maintaining individual performance.
  • Ability to manage expectations and conduct follow-ups with customers and Wells Fargo partners.
  • Customer service 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.
  • Experience interacting with customers and employees with integrity and professionalism.
  • Experience mentoring and peer-coaching others.
  • Spanish fluency is a plus.

About the Company

Wells Fargo

Nationwide banking and financial services

Wells Fargo provides banking, investment, and payment services across the United States. Its products include checking and savings accounts, loans, credit cards, wealth management, and payment solutions that work through branches, online and mobile platforms, and an extensive network of branches and ATMs to move money and manage accounts. The bank leverages a long West-to-Midwest footprint and an integrated suite of banking, investment, and payments, reflecting its evolution from 1852 and the 1998 Norwest merger that adopted the Wells Fargo name. Its goal is to help customers manage money, grow wealth, and pay and transfer funds safely and reliably for individuals, small businesses, and institutions.

Company size
10,001+
Company stage
IPO
Headquarters
San Francisco, CA
Founded
1851

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