Business Banker (LO) Ladera Ranch, CA

Wells Fargo Bank•Ladera Ranch, CA

3d•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 branch settings. The role manages and grows 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. It delivers a branded, client-centric experience and positions Wells Fargo as a trusted partner. The Business Banker assesses clients’ goals, operations, priorities, and financial needs; recommends appropriate financial solutions; and serves as a trusted advisor on business accounts, credit, treasury services, and digital tools. The position actively prospects and networks, develops internal and external referral relationships, and collaborates with banking channels, Relationship Managers, and Lending Officers to support business owners and handle complex structures in accordance with underwriting policies and risk guidelines. This Loan Originator (LO) position has customer contact and may involve assessing needs and referring customers interested in a dwelling-secured product to a SAFE team member. The employee may assist customers but cannot take an application or offer or negotiate terms of a dwelling-secured transaction. LO registration is required at employment, along with applicable Consumer Financial Protection Bureau qualifications and ongoing regulatory requirements. The position is based at the Ladera Ranch, California branch; banker placement may be within a 10-mile radius of the branch.

Requirements

At least 2 years of financial services, sales, or customer service experience, or equivalent experience demonstrated through work, training, military experience, or education.
Register as a Loan Originator at the time of employment.
Meet Consumer Financial Protection Bureau Loan Originator qualification requirements and applicable financial responsibility, character, general financial fitness, and criminal background standards.
Meet ongoing regulatory requirements, including additional screening if necessary.

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.
Ability to proactively source, acquire, build, and maintain relationships with customers and colleagues.
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 conduct follow-ups 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 the value of mobile banking options.
Ability to interact with integrity and professionalism with customers and employees.
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, throughout onboarding, relationship deepening, and new-client acquisition.
Deliver a branded, client-centric experience that supports growth and positions Wells Fargo as a trusted partner.
Understand and offer Wells Fargo financial solutions and digital services, using available tools and product expertise to make tailored recommendations.
Analyze clients’ operations, goals, priorities, and financial needs to provide suitable recommendations while complying with policies and procedures.
Advise clients on 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 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.