Business Banker (LO) Merced, CA

Wells Fargo Bank•Merced, CA

1d•Onsite

About The Position

Wells Fargo is hiring a Business Banker in Consumer Banking and Lending to build, maintain, and grow relationships with business banking clients through branch-based customer interactions. The banker manages a portfolio of low- to moderately complex business clients, typically with $500,000 to $2 million in annual sales, and owns the client journey from onboarding and relationship deepening to acquiring new clients. The role delivers a branded, client-centric experience and positions Wells Fargo as a trusted partner. The Business Banker learns about clients’ goals, operations, and financial needs and recommends tailored financial solutions. The role involves offering business accounts, credit, treasury services, and digital tools; prospecting and networking to develop client relationships and referrals; and collaborating with internal banking channels, Relationship Managers, and Lending Officers. For complex structures, the banker partners with those colleagues to ensure alignment with underwriting policies and risk guidelines. This Loan Originator (LO) position may involve assessing customer needs and referring customers interested in dwelling-secured products to a SAFE team member. The banker may assist customers but may not take an application or offer or negotiate terms of a dwelling-secured transaction. The position requires LO registration after employment begins and compliance with applicable Consumer Financial Protection Bureau qualification requirements and Wells Fargo policies. The role is not eligible for visa sponsorship.

Requirements

At least 2 years of financial services, sales, or customer service experience, or equivalent demonstrated through work experience, training, military experience, or education.
Must meet Loan Originator qualification requirements, including applicable financial responsibility, character, general financial fitness, and criminal background standards.
Must complete LO registration after employment starts and meet ongoing regulatory requirements.
Must be able to comply with applicable Wells Fargo policies and Consumer Financial Protection Bureau requirements.

Nice To Haves

At least 2 years of in-branch business banking experience.
At least 1 year of experience managing a dedicated book of small business customers across an assigned territory.
Proficiency in proactively sourcing, acquiring, building, and maintaining customer and colleague relationships.
Experience using business acumen to provide financial services consultation to business customers.
Extensive knowledge of bank lending programs, credit policies, and specialty products.
High motivation and ability to meet team objectives while maintaining individual performance.
Ability to manage expectations and follow up with customers and Wells Fargo partners.
Customer service experience handling complex transactions across multiple systems.
Knowledge of retail compliance controls, risk management, and loss prevention.
Ability to educate customers about technology and communicate the value of mobile banking options.
Ability to interact with customers and employees with integrity and professionalism.
Experience mentoring and peer-coaching others.

Responsibilities

Manage and grow a portfolio of low- to moderately complex business clients, typically with $500,000 to $2 million in annual sales.
Own the client journey, including onboarding, deepening relationships, and acquiring new clients while delivering a client-centric experience.
Understand and offer Wells Fargo financial solutions and digital services, providing tailored recommendations to business clients.
Analyze clients’ operations, goals, priorities, and financial needs to recommend suitable solutions in compliance with policies and procedures.
Offer business accounts, credit, treasury services, and digital tools as a trusted advisor.
Prospect and network to build relationships with external and internal partners, generate referrals, and grow the small business customer base.
Collaborate with internal banking channels to support business owners and develop the full client relationship.
Partner with Relationship Managers and Lending Officers on complex structures and ensure alignment with underwriting policies and risk guidelines.
Assess customer needs and refer customers interested in dwelling-secured products to a SAFE team member; do not take applications or offer or negotiate transaction terms.
Meet LO registration, qualification, and ongoing regulatory requirements.
Follow applicable risk and compliance programs, policies, and procedures; escalate and remediate issues appropriately and make sound risk decisions.