Lead Commercial Banking Relationship Manager jobs at Wells Fargo in United States, Miami

About this role:

Upon required licensing and SAFE registration, the Relationship Banker LP (SAFE) employee will transition to the Relationship Banker (SAFE) role.

The following job profile is intended to provide a general sense of what Relationship Bankers do; however, the day-to-day duties and responsibilities will differ from branch to branch and even banker to banker depending on several variables, including (but not limited to) years of experience, complement of customers serviced, banking services and options of various customers, and customer needs.

In this role you will:

• Employees who are not fully licensed at the time of hire will participate in the Branch Banking Licensed Banker licensing program as a Relationship Banker LP (SAFE). This is a temporary position until employee has successfully completed licensing requirements. Upon successful completion, employees will transition to the Relationship Banker (SAFE) role and perform the following duties:

• Participate in building relationships with customers and spend time understanding required needs

• Identify opportunities for offering a full range of Wells Fargo retail banking deposit and credit products and services, based on customers' needs

• Analyze tactical business challenges related to full-service banking experience to emerging affluent and high-value customers

• Present recommendations for resolving inquiries and service requests regarding customers' accounts

• Open and service accounts within authorized limits, create plans for follow-up and scheduled contacts with customers

• Provide information to internal partners and external sources to further enhance the customer experience

• Identify opportunities to leverage partners and connect customer with the appropriate partner or relationship manager to meet their needs

• Partner with financial advisors to understand appropriate introductions to address the needs of customers with investment or retirement needs

• Provide self-service digital banking options to customers

• This SAFE position has customer contact and job duties which may include the offering/negotiating of terms and/or taking an application for a dwelling secured transaction. As such, this position requires compliance with the SAFE Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements, including acceptable background investigation results. Individuals in a SAFE position also must meet the Loan Originator requirements under Regulation Z (LO) outlined in the job expectations below

Required Qualifications:

• 2+ years of customer service experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

• 1+ year of assessing and meeting the needs of customers or helping with issue resolution, demonstrated through work or military experience

• 1+ year of building and maintaining effective relationships with customers and partners

Desired Qualifications:

• Successfully completed Financial Industry Regulatory Authority (FINRA) Series 6 and Series 63 examinations (or FINRA recognized equivalents) sufficient to qualify for immediate FINRA registration

• State Insurance license(s)

• Customer service focus with experience handling transactions across multiple systems

• Proficient with proactively sourcing, acquiring, building, and maintaining relationships with customers and colleagues

• Strong verbal, written, and interpersonal communication skills

• Knowledge and understanding of book of business processes to actively manage a group of Wells Fargo customers to meet their needs and grow the business

• Ability to be proactive, innovative, and creative in meeting customer and enterprise needs

• Ability to make client calls and actively participate in the sales development process

• Knowledge and understanding of retail compliance controls, risk management, and loss prevention

• Ability to follow policies, procedures, and regulations

• High motivation with ability to successfully meet team objectives while maintaining individual performance

• Experience mentoring and peer- coaching

• Experience assessing customer needs and recommending products/services to fulfill those needs

• Experience using business acumen to provide financial services consultation to small business customers

• Knowledge and understanding of financial services consumer lending products

• Ability to educate and connect customer to technology and share the value of mobile banking options

• Ability to interact with integrity and professionalism with customers and employees

Job Expectations:

• Ability to work a schedule that may include most Saturdays

• Adherence to Wells Fargo sales practices risk management culture

• Current registration for FINRA Series 6 and Series 63 (or FINRA recognized equivalents) is required for this role or must be completed within a specified period. For specific FINRA qualification exams obtained after 9/30/2018, the Securities Industry Essentials (SIE) exam co-requisite will be required

• For the following states where hired, FINRA Series 65 (or equivalent) examination will also be required to be attempted within a specified period of time: AK, AL, CT, DE, HI, IA, ID, IN, KS, MD, MI, MN, MS, MT, NC, ND, NE, NM, OR, SC, SD, TN, TX, UT, VA, WA, WI, and WY. The State of WY permits referral-only licensed bankers to receive the IAR registration without completing the Series 65/66 exam requirement. This list of states is subject to change and Series 65 (or equivalent) licensing requirement would be based on current state requirements during employment

• State Insurance license(s) are required for this role and must be completed within a specified period

• Licensing requirements and expected completion timeline (determined by the number of licenses needed) will be communicated to the candidate upon offer acceptance

• Obtaining and/or maintaining appropriate Financial Industry Regulatory Authority (FINRA) license(s) is required for ongoing employment in thisposition.Additional requirements include meeting enhanced financial fitness and criminal background standards. Wells Fargo will initiate the FINRA review process at the time of offer acceptance

• This position requires SAFE registration at the time of employment. Wells Fargo will initiate the SAFE registration process immediately after your employment start date. The Nationwide Mortgage Licensing System (NMLS) web site(http://fedregistry.nationwidelicensingsystem.org)provides the MU4R questions and registration required for employment in this position

• 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

• This position is not eligible for Visa sponsorship

Job Location:

• Liberty City - Edison Marketplace Branch: 641 NW 62ND ST, MIAMI, FL 33150

Wells Fargo Recruitment and Hiring Requirements:

b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.

Wells Fargo Recruitment and Hiring Requirements:

b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.

In this role, you will:

• Develop, retain, and grow complex client relationships through the art of relationship management, by understanding the needs and priorities of clients and financial decision makers, responding quickly, communicating proactively but strategically, managing expectations, and soliciting feedback
• Lead structuring, modification, and renewal of complex cash flow, real estate loans, and certain other industry specific solutions within Commercial Banking by analyzing financials, presenting to clients, coordinating with internal stakeholders, and partnering with senior peers to execute more complex transactions
• Review, understand, and offer the full suite of complex solutions offered by Wells Fargo to commercial clients to meet complex needs that require solid understanding and an in-depth evaluation, by engaging product organizations to develop client specific solutions, leveraging a solid understanding of clients’ businesses, strategic objectives, operational priorities, and financial positions
• Make decisions in complex and multi-faceted situations within the Commercial Banking Relationship Management group requiring solid understanding of relevant policies, procedures, and compliance requirements that influence and lead team to meet deliverables and drive new initiatives
• Strategically collaborate and consult with peers, colleagues, and middle to senior level managers to resolve client issues while achieving Wells Fargo’s business objectives, by helping clients navigate Wells Fargo’s processes, escalating inquiries when needed, and identifying and recommending opportunities for process improvements and risk control enhancements; serve as a mentor for less experienced colleagues
• Drive relationship planning activities to deliver the full suite of solutions and maintain sales and pipeline disciplines by keeping information current in relevant systems
• Support Business Development Representatives in sourcing new Commercial Banking clients, by cultivating relationships through existing networks
• Partner with Commercial Lending Product Management to provide feedback and recommendations to leadership on client and market needs to enable the innovation, design, and delivery of credit solutions more effectively

Required Qualifications:

• 5+ years of Commercial Banking Relationship Management experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

Desired Qualifications:

• Commercial Banking account relationship management experience with clients with annual sales revenue up to $100MM
• Comprehensive knowledge and understanding of commercial or specialty group: lending, loan servicing, products, and credit practices
• Experience leveraging Treasury Management products and services
• Established local in-market network with demonstrated knowledge of the South Florida market
• Comprehensive knowledge and understanding of negotiating: interest rates, price, terms, and collateral requirements
• Experience identifying and mitigating risk, ensuring compliance with processes, and mitigating risk issues
• Experience consistently delivering strong sales performance
• Excellent verbal, written, and interpersonal communication skills
• Strong organizational, multi-tasking, and prioritizing skills
• Completion of formal credit training program
• Demonstrated experience generating new client relationships, building and retaining long-term client relationships

Job Expectations:

• This position is not eligible for Visa sponsorship
• Specific compliance policies may apply regarding outside activities or personal investing; affected employees will be expected to provide information to the Wells Fargo Personal Account Dealing Team and abide by applicable policy requirements if hired. Information will be shared about expectations during the recruitment process
• Ability to travel up to 10% of the time

Location:

• 350 E Las Olas Blvd- FORT LAUDERDALE, FL 33301
• 525 Okeechobee Blvd Ste 700- WEST PALM BEACH, FL 33401
• 1675 N Military Trail- BOCA RATON, FL 33486

Wells Fargo Recruitment and Hiring Requirements:

b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.

In this role, you will:

• Strategically support Business Development Representatives in sourcing new Commercial Banking clients, by cultivating relationships through existing networks
• Drive relationship planning activities to deliver the full suite of solutions and maintain sales and pipeline disciplines by keeping information current in relevant systems
• Proactively prospect and qualify new business opportunities within the target market and maintain engagement with prospects through the entire sales process
• Develop, retain, and grow complex client relationships through the art of relationship management, by understanding the needs and priorities of clients and financial decision makers, responding quickly, communicating proactively but strategically, managing expectations, and soliciting feedback; act as an advisor to guide and influence others in growing relationships
• Act as an advisor to senior leadership to develop, influence, or lead the structuring, modification, and renewal of highly complex cash flow, real estate loans, and certain other industry specific solutions across groups and functions by analyzing financials, presenting to clients, and coordinating with internal stakeholders
• Lead the strategy and resolution for full suite of highly complex solutions offered by Wells Fargo to commercial clients to meet highly complex and unique needs that require an in-depth evaluation across multiple areas of the enterprise, by engaging product organizations to develop client specific solutions, leveraging a solid understanding of clients’ businesses, strategic objectives, operational priorities, and financial positions
• Provide vision, direction, and expertise to senior leadership on implementing innovative and significant business solutions within the Commercial Banking Relationship Management group that are cross functional and companywide strategies
• Strategically engage with all levels across the enterprise to improve processes and risk control, resolve client issues while achieving Wells Fargo’s business objectives, and represent the company externally; serve as an expert advisor to leadership and a mentor for less experienced colleagues
• Partner with Commercial Lending Product Management to provide vision, direction, and expertise to leadership on client and market needs to enable the innovation, design, and delivery of credit solutions more effectively, including large-scale, cross-functional, or company-wide strategies

Required Qualifications:

• 7+ years of Commercial Banking Relationship Management experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

Desired Qualifications:

• Commercial Banking account relationship management experience with clients with annual sales revenue up to $100MM
• Comprehensive knowledge and understanding of commercial or specialty group: lending, loan servicing, products, and credit practices
• Experience leveraging Treasury Management products and services
• Established local in-market network with demonstrated knowledge of the South Florida market
• Comprehensive knowledge and understanding of negotiating: interest rates, price, terms, and collateral requirements
• Experience identifying and mitigating risk, ensuring compliance with processes, and mitigating risk issues
• Experience consistently delivering strong sales performance
• Excellent verbal, written, and interpersonal communication skills
• Strong organizational, multi-tasking, and prioritizing skills
• Completion of formal credit training program
• Demonstrated experience generating new client relationships, building and retaining long-term client relationships

Job Expectations:

• This position is not eligible for Visa sponsorship
• Specific compliance policies may apply regarding outside activities or personal investing; affected employees will be expected to provide information to the Wells Fargo Personal Account Dealing Team and abide by applicable policy requirements if hired. Information will be shared about expectations during the recruitment process
• Ability to travel up to 10% of the time

Location:

• 1699 Coral Way- MIAMI, FL 33145

Wells Fargo Recruitment and Hiring Requirements:

b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.

In this role, you will:

• Build complex IRE portfolio of commercial banking relationships
• Actively participating in the completion of major transactions
• Partner with other product partners including but not limited to Interest Rate Risk, Treasury Management, Deposits and Wealth to attract and retain customers with an appropriate credit risk and operational risk lens to grow revenue and profits
• Close collaboration and engagement with the Portfolio Management team while still maintaining ownership of the risk
• Interpret policies, procedures, and compliance requirements

Required Qualifications:

• 7+ years of Commercial Banking Relationship Management experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

Desired Qualifications:

• Commercial Real Estate and/or Investor Real Estate business development experience
• Commercial Real Estate and/or Investor Real Estate relationship management experience
• Comprehensive knowledge and understanding of negotiating: interest rates, price, terms, and collateral requirements
• Established local in-market network with demonstrated knowledge of the South Florida Market
• Ability to structure and execute complex financial transactions including lending, treasury and commercial solutions
• Comprehensive knowledge and understanding of risk management
• Strong credit analysis skills
• Excellent verbal, written, and interpersonal communication skills
• Strong organizational, multi-tasking, and prioritizing skills

Job Expectations:

• This position is not eligible for Visa sponsorship
• Specific compliance policies may apply regarding outside activities or personal investing; affected employees will be expected to provide information to the Wells Fargo Personal Account Dealing Team and abide by applicable policy requirements if hired. Information will be shared about expectations during the recruitment process
• Ability to travel up to 10% of the time

Location:

• 1699 Coral Way- MIAMI, FL 33145
• 350 E Las Olas Blvd- FORT LAUDERDALE, FL 33301
• 525 Okeechobee Blvd Ste 700- WEST PALM BEACH, FL 33401
• 1675 N Military Trail- BOCA RATON, FL 33486

Wells Fargo Recruitment and Hiring Requirements:

b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.

In this role, you will:

• Perform credit underwriting which accounts for all risk factors and providing risk rating recommendations
• Participate in the monitoring, documenting, and analysis of assigned portfolio of loans within the Corporate Banking Relationship Management functional area
• Review and interpret credit policies and procedures and incorporate requirements into credit analysis, observations and lending recommendations
• Research, examine and interpret customer portfolio, competitors and related industry in order to prepare a comprehensive credit report opinion
• Receive direction from more experienced staff and exercise independent judgment while monitoring and maintaining an existing loan portfolio which includes ongoing interpretation and analysis of financial info to determine borrower compliance
• Collaborate and consult with internal and external stakeholders to understand credit needs and represents the bank in developing, maintaining, and growing client relationships
• Provide guidance to and assist with development of less experienced team members

Required Qualifications:

• 2+ years of Corporate Banking Relationship Management experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
• Bilingual speaking and reading proficiency in Spanish/English.

Desired Qualifications:

• Corporate credit underwriting and analysis experience of banking institutions
• Knowledge of financial services credit administration and risk management practices
• Understanding of financial accounting principles and concepts
• Advance Microsoft Office skills, including using Excel for financial analysis and projection modeling
• Knowledge of the Latin America region
• Familiarity with S&P Global Market Intelligence
• High level of initiative and accountability of outcomes
• Strong time management and task prioritization
• Strong analytical and quantitative skills

Additional Compensation Details:

• Base pay for this position is $125,000
• May be considered for an annual discretionary bonus

• 333 SE 2nd Ave MIAMI, FL
• 550 S Tryon St CHARLOTTE, NC
• 90 S 7th St MINNEAPOLIS, MN

Pay Range

Wells Fargo Recruitment and Hiring Requirements:

b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.

In this role, you will:

• Manage and develop a team of relationship bankers with a focus on client relationship management, client experience, acquisition of new clients, deepening of existing relationships, and risk management for Small Business customers (defined as revenue of $1-25MM).
• Promote the growth of the business by implementing strategies to increase revenue by onboarding new clients, deepening the relationship with existing clients, and retaining existing credit or deposit balances within an assigned territory.
• Identify and recommend opportunities for process improvement and risk control development.
• Make decisions and resolve low to moderately complex issues regarding resources, objectives, and operations of team to meet business objectives.
• Collaborate and consult with peers, colleagues, and multiple level managers, interact directly with clients, represent the company externally, and lead a team of individuals to resolve client issues while achieving Wells Fargo’s business objectives, by helping clients navigate processes and escalating inquires when needed.
• Create professional teams within functional area through effective selection, training, skill development, motivation, evaluation, and retention of highly skilled and proficient business banking professionals.
• Manage allocation of people and financial resources for functional area
• Mentor and guide talent development of direct reports and assist in hiring talent
• Coach and manage team with low to moderate complexity and risk to offer the full suite and digital solutions to meet clients’ needs, by developing best practices to engage product organizations and understand clients’ businesses, strategic objectives, operational priorities, and financial positions.
• Partner with Strategy, Sales, and Product partners to provide vision, leadership, leveraging market data and expertise on client and market needs to enable the innovation, design, and delivery of solutions more effectively.
• Establish relationships with Wells Fargo partners across assigned territory to develop partnership agreements to better meet our client’s needs.
• 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 below.

Required Qualifications:

• 4+ years of Business Banking experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education.
• 2+ years of leadership experience

Desired Qualifications:

• Demonstrated ability and proven track record of managing a high performing non-exempt and/or exempt sales team
• Demonstrated ability to manage teams across multiple locations including geography/markets and/or remote.
• Demonstrates a clear understanding of Business Banking products, such as:
  • Business Checking Accounts
  • Lines of Credit
  • Payables and Receivables
  • Understanding of complex business cash flow (if applicable)
• Demonstrated ability to drive change within an organization
• Proven ability to navigate and prioritize multiple priorities
• Excellent verbal, written, and interpersonal communication skills
• Excellent time management and organizational skills
• Thorough understanding of Operational Risk

Job Expectations:

• 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

Wells Fargo Recruitment and Hiring Requirements:

b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.