Business Banker (LO) Encinitas, CA

Wells Fargo Bank•Encinitas, CA

2d•Onsite

About The Position

Wells Fargo is seeking a Business Banker (LO) in Consumer Banking and Lending. As a Business Banker (LO) you will be responsible for building, maintaining, and growing relationships with business banking clients in the branches. Individuals have frequent interactions with clients to understand and meet their needs. In this role, you will act as a trusted advisor by offering a full range of products and services and integrating advice across deposits, credit, treasury management, payments, and digital capabilities. You will deliver solutions that support clients' business objectives while ensuring alignment with bank policies, procedures, and risk requirements. You will manage and grow a portfolio of business clients, typically $500k to $2MM in annual sales, by owning the full client journey from onboarding to deepening relationships and acquiring new clients while delivering a branded, client-centric experience that drives growth and positions the bank as a trusted partner. You will acquire new business clients through targeted prospecting, branch-generated opportunities, networking, referrals, and coordinated market outreach. You will execute defined business-development routines and maintain an active pipeline of qualified opportunities. You will operate within a defined Business Banker and Relationship Manager partnership model by identifying and referring secured or complex lending opportunities, coordinating customer introductions, and supporting a seamless client experience while maintaining ownership of the broader relationship. You will help clients improve cash flow, liquidity, and overall financial health. You will partner across Retail, Treasury Management, Merchant Services, Credit, Branch Partners, and Relationship Managers to deliver a holistic, client-centered banking experience. You will manage client relationships, recommendations, documentation, and business-development activities in accordance with applicable laws, regulations, policies, procedures, and risk-management requirements. You will share knowledge and best practices with peers and partners to support team effectiveness and consistent delivery of business banking solutions. 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.

Requirements

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

Nice To Haves

2+ years of business banking experience
1+ year of experience managing client portfolios and business relationships
Knowledge of business banking and portfolio management
Experience in business lending, credit policies, compliance requirements, and financial products and their application to business client needs
Ability to prospect, network, and generate new business opportunities while demonstrating accountability for follow-up, pipeline management, and business development activities
Strong relationship-building, communication, collaboration and consultative selling skills with the ability to partner effectively across teams
Ability to understand client needs, make sound decisions, and recommend appropriate financial solutions
Experience using digital banking tools and navigating financial conversations
Proven ability to deliver a client-first experience in a fast-paced environment
Ability to partner closely with peers and business partners to help clients meet their goals

Responsibilities

Act as a trusted advisor by offering a full range of products and services and integrating advice across deposits, credit, treasury management, payments, and digital capabilities
Deliver solutions that support clients' business objectives while ensuring alignment with bank policies, procedures, and risk requirements
Manage and grow a portfolio of business clients, typically $500k to $2MM in annual sales, by owning the full client journey from onboarding to deepening relationships and acquiring new clients while delivering a branded, client-centric experience that drives growth and positions the bank as a trusted partner
Acquire new business clients through targeted prospecting, branch-generated opportunities, networking, referrals, and coordinated market outreach.
Execute defined business-development routines and maintain an active pipeline of qualified opportunities
Operate within a defined Business Banker and Relationship Manager partnership model by identifying and referring secured or complex lending opportunities, coordinating customer introductions, and supporting a seamless client experience while maintaining ownership of the broader relationship
Help clients improve cash flow, liquidity, and overall financial health
Partner across Retail, Treasury Management, Merchant Services, Credit, Branch Partners, and Relationship Managers to deliver a holistic, client-centered banking experience
Manage client relationships, recommendations, documentation, and business-development activities in accordance with applicable laws, regulations, policies, procedures, and risk-management requirements.
Share knowledge and best practices with peers and partners to support team effectiveness and consistent delivery of business banking solutions