Business Banker (LO) Merced, CA

Wells Fargo•Merced, CA

2d•$28 - $42•Onsite

About The Position

Wells Fargo is seeking a Business Banker 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 and relationship deepening through new-client acquisition. The Business Banker provides a branded, client-centric experience and works to position the bank as a trusted partner. The role involves understanding clients’ goals, operations, and financial needs; recommending appropriate financial solutions; and offering business accounts, credit, treasury services, and digital tools. The banker also prospects and networks to develop relationships and referrals, collaborates with internal banking channels, and partners with Relationship Managers and Lending Officers on complex structures. 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; it does not include taking applications or offering or negotiating terms for dwelling-secured transactions. Employment requires Loan Originator registration. Wells Fargo initiates the registration process after the employment start date. Candidates must meet applicable regulatory qualification standards, including financial responsibility, character, financial fitness, and criminal background requirements, as well as ongoing regulatory screening. The position is not eligible for visa sponsorship. The listed location is 555 W 18th St., Merced, California; banker placement may be within 10 miles 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 meet applicable Loan Originator qualification requirements, including financial responsibility, character, general financial fitness, and criminal background standards.
Must complete Loan Originator registration at the time of employment and meet ongoing regulatory requirements.
Must be able to provide accurate information and supporting documentation for lawful employment and education verification.
Visa sponsorship is not available for this position.

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.
Ability to proactively source, acquire, build, and maintain relationships with customers and colleagues.
Experience applying business acumen to financial services consultation for 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 explain 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, across onboarding, relationship deepening, and new-client acquisition.
Provide a branded, client-centric experience and serve as a trusted partner to business clients.
Understand and offer Wells Fargo financial solutions and digital services, using available tools and product knowledge to make tailored recommendations.
Analyze clients’ operations, goals, priorities, and financial needs to recommend suitable financial solutions in accordance with policies and procedures.
Offer 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 their full banking relationships.
Partner with Relationship Managers and Lending Officers on complex structures and align recommendations 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.
Follow applicable risk and compliance programs, policies, procedures, escalation requirements, and regulatory obligations.
Meet Loan Originator registration and ongoing regulatory requirements.