Business Banker (LO) Los Angeles, CA

Wells Fargo Bank•Los Angeles, CA

2d•Onsite

About The Position

Wells Fargo is hiring a Business Banker (LO) in Consumer Banking and Lending to build, maintain, and grow relationships with business banking clients in branches. The role 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 through relationship growth and new-client acquisition. The Business Banker provides a branded, client-centric experience and positions Wells Fargo as a trusted partner. The position requires understanding clients’ goals, operations, and financial needs and recommending appropriate financial solutions and digital services. Offerings include business accounts, credit, treasury services, and digital tools. The banker prospects and networks to develop client relationships and referrals, works with internal banking channels, and partners with Relationship Managers and Lending Officers on complex structures in accordance with underwriting and risk guidelines. This Loan Originator position involves customer contact and may include assessing needs and referring customers interested in dwelling-secured products to a SAFE team member. The role may assist customers but does not take applications or offer or negotiate terms for dwelling-secured transactions. LO registration is required at employment, along with applicable regulatory qualifications and ongoing screening. The position is not eligible for visa sponsorship. Banker placements may be within a 10-mile radius of the branch applied to.

Requirements

At least 2 years of financial services, sales, or customer service experience, or equivalent experience demonstrated through work, training, military experience, or education.
Must obtain LO registration at the time of employment; Wells Fargo initiates the registration process after the employment start date.
Must meet applicable Consumer Financial Protection Bureau Loan Originator qualification requirements, including financial responsibility, character, general financial fitness, and criminal background standards.
Must meet ongoing regulatory requirements, including additional screening if necessary.
Not eligible for visa sponsorship.

Nice To Haves

At least 2 years of in-branch business banking experience.
At least 1 year managing a dedicated book of small-business customers across an assigned territory.
Proficiency in proactively sourcing, acquiring, building, and maintaining relationships with customers and colleagues.
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 focus and 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, from onboarding through relationship deepening and new-client acquisition.
Understand and offer Wells Fargo financial solutions and digital services, using available tools to provide tailored recommendations.
Analyze clients’ operations, goals, priorities, and financial needs to recommend solutions aligned with their objectives and applicable policies and procedures.
Advise clients on products and services including business accounts, credit, treasury services, and digital tools.
Prospect and network with external and internal partners to build relationships, generate high-quality 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 align solutions 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 dwelling-secured transaction terms.
Follow applicable risk and compliance programs, policies, and procedures; escalate and remediate issues and make sound risk decisions.