Justin Cox
Senior Business Banking Relationship Manager @Wells Fargo
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WORK HISTORY
Senior Business Banking Relationship Manager @Wells Fargo
Raleigh, NC, US
As a Senior Small Business Banking Relationship Manager at Wells Fargo, I serve as a strategic advisor to business clients with annual revenues between $5MM–$75MM. My focus is on helping small business owners thrive through personalized financial solutions, expert guidance, and long-term relationship building. Relationship Development & Portfolio ManagementI manage a growing portfolio of small business clients by providing tailored banking solutions, evaluating cash flow cycles, and proactively identifying opportunities for growth. I assess financial needs and recommend customized products including lending, treasury, and cash management services. Growth-Focused Client EngagementI drive business development by leveraging an established network and deep market knowledge to engage in prospecting activities, converting leads into long-term relationships. My consultative approach ensures clients receive meaningful support at every stage of their business lifecycle. Risk Management & Regulatory ComplianceWith a deep understanding of compliance and risk protocols, I work to protect both the bank and the client by managing credit exposure and ensuring adherence to internal policies and federal regulations, including the Consumer Financial Protection Bureau’s Loan Originator requirements. Cross-Functional CollaborationI partner with internal Wells Fargo teams and specialists to deliver a holistic client experience, from commercial lending to merchant services and wealth management referrals—always aiming to add value beyond transactions.Key Highlights:10+ years of commercial and business banking experienceProven success sourcing and managing portfolios with revenues of $5MM–$75MMStrong expertise in B2B sales, cash flow analysis, and deposit/cash management productsCommitted to helping small business owners succeed financially while mitigating risk
EDUCATION
Western Governors University
Bachelor's degree, Accounting
SKILLS
ABOUT JUSTIN COX
Most bankers have never had to make payroll. I have. Four times over — across four restaurant locations, a national creative agency, and 15+ years in commercial banking. That perspective is what makes me a different kind of financial partner. Today, I manage one of the highest-performing business banking portfolios in the Wells Fargo Raleigh market: 185 active clients,$75MM in deposits, a 98% client retention rate, and an average of 5–6 products per relationship. My clients revenue range from $5MM -$75MMBut here’s what the numbers don’t show: Before I was a banker, I was a founder. I built The Smashed Waffle Company from my kitchen to 4 operating locations and $10MM in revenue — then negotiated and executed a successful acquisition exit. I also co-founded Made by Catch, a national marketing agency that grew from zero to 25 retained clients with a team of 10 creatives across the U.S. I’ve sat across the table from lenders as a borrower. I know what business owners need, what keeps them up at night, and what a great banking partner actually looks like from their side of the desk. That’s why my clients stay, refer, and grow with me. What I bring: 15+ Years Commercial & business banking (15+ years) Portfolio management at scale ($75M deposits, 185 clients) Entrepreneurship & successful exit (founded, scaled, sold) Team leadership, coaching, and development Cross-functional banking: lending, treasury, wealth, merchant services If you’re a business owner looking for a banker who actually gets it — or a financial institution looking for a proven relationship manager who delivers at the top 1% level — let’s c••••••••@gmail.com
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