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Joseph Harding

FIND A BUSINESS BANKER

Joseph Harding

Business Banking Relationship Manager

About Joseph

As a Business Banking Relationship Manager, I work closely with business clients to help them reach their financial goals and vision for success. I take time to understand each client's business's finances, operations and banking needs so I can recommend tailored solutions for lending, cash flow optimization, payment solutions and more.

I've worked in the financial services industry since 2018 and I am known for building trusted relationships that help business owners navigate growth, overcome challenges, and achieve their individual goals Rather than focusing solely on banking products, I take a consultative approach, working alongside clients to understand their vision and connect them with the right financial solutions, strategic resources, and professional relationships to support long-term success

My goal is to be a trusted partner and advisor—delivering insights, strategic guidance and results that drive long-term growth.

I live in Charlotte

I can help you:

Let's make it easy to manage deposits, invoices, bills and accounts payable/receivable. I can help you implement digital tools and solutions for maintaining healthy cash flow.

I can work with you to find flexible lending options that support your working capital, inventory, expansion or other business needs.

Together, we can assess your business performance, then explore strategies to streamline processes, reduce costs and run your business efficiently. 

Deposit, save and manage your money with confidence. I can help you choose a business bank account aligned with your goals and the way your business runs.

I can recommend business credit cards that help you manage spending, build credit, and earn rewards tailored to your spending habits.

Whether you’re buying a space, refinancing or expanding, I can guide you through our commercial real estate loan options to help you secure the right property for your business.

Together, we can identify which merchant services are necessary for your business and select a Payment Solutions plan that allows you to accept payment in-person, online or on the go.

Need help using any of U.S. Bank’s digital tools? I can guide you through everything we offer to manage your finances securely and efficiently—anytime, anywhere.

Meet with me.
Make an appointment
Contact me.
Location
4525 Sharon Rd
Charlotte, NC, 28211
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Business banking solutions tailored to your industry

Find your focus by exploring U.S. Bank solutions and services used by businesses like yours. We offer specialized products and industry expertise to businesses in:


  • Agriculture
  • Healthcare
  • Manufacturing
  • Nonprofit
  • Professional services
  • And more

Access everything you need to make progress your way.

U.S. Bank's business solutions and tools bring everything together with ease to simplify your business – from payments and banking services, to checking accounts and lending solutions that grow with you.

Related resources & services

Business resources

U.S. Bank small business resource center can help you grow and manage your business and to learn the next steps to become a successful business owner.

Business bank accounts

Start smart with a business bank account from U.S. Bank. Compare & open business checking accounts, business savings accounts and business CDs.

Payment solutions

U.S. Bank merchant services provides comprehensive payment processing solutions for businesses of all sizes. Get secure, reliable & efficient service now.

Frequently asked questions

Working with a business banker gives you a dedicated financial partner who understands your industry and your goals. Instead of navigating complex banking products on your own, you’ll have someone who can tailor solutions to your business needs —whether that’s managing cash flow, financing growth or planning for your future. 

A business banker acts as your advocate within the bank, helping you access resources quickly and efficiently so you can focus on running your business.

A business banking relationship manager provides a wide range of services.

This includes:

  • New or existing bank accounts or credit cards to help manage cash flow and spending.
  • Customized lending solutions like term loans, lines of credit, SBA loans and equipment financing.
  • Payment solutions to accept customer payments, manage accounts payable/receivable and more.
  • Connections to specialists, including treasury, merchant services, and wealth management for holistic financial planning.

Essentially, your business banking relationship manager is a single point of contact who ensures you have the right tools and guidance to grow and protect your business.

We’re happy to meet with you virtually or in person. It’s up to you.

Disclosures