Whats the best way to charge a 48 volt battery bank with a 110 volt(140 max) DC Wind generator?

I would like to use my 110 volt Jacobs windcharger to charge my 48 volt battery bank. Then possibly switch over to water heat elements as a dump load when the battery bank is full. This last step could use the full 110 volts. The Jacobs is rated at 20 amps, about 3000 watts.