Business Banker (LO) San Diego, CA

Wells Fargo•Mission Hills, CA

1d•$28 - $46•Onsite

About The Position

Wells Fargo is seeking a Business Banker (LO) in Consumer Banking and Lending. The role builds, maintains, and grows relationships with business banking clients in branches, with frequent client interactions to understand and meet their needs. 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 new-client acquisition. The role delivers a branded, client-centric experience and positions Wells Fargo as a trusted partner. The Business Banker evaluates clients’ goals, operations, and financial needs to recommend suitable financial solutions and digital services, including business accounts, credit, treasury services, and digital tools. The banker prospects and networks with internal and external partners to generate referrals and grow the small-business customer base, collaborating with banking channels, Relationship Managers, and Lending Officers as appropriate. Complex lending structures must be aligned with underwriting policies and risk guidelines. This Loan Originator (LO) position includes customer contact and may involve assessing needs and referring customers interested in dwelling-secured products to a SAFE team member. The role does not involve taking an application for, or offering or negotiating terms of, a dwelling-secured transaction. LO registration is required at employment, and the employee must satisfy applicable Consumer Financial Protection Bureau qualification and ongoing regulatory requirements.

Requirements

At least 2 years of financial services, sales, or customer service experience, or equivalent experience demonstrated through work, training, military experience, or education.
Obtain LO registration at the time of employment and meet applicable Consumer Financial Protection Bureau qualification requirements, including 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 of experience managing a dedicated book of small-business customers across an assigned territory.
Bilingual Spanish/English speaking and listening proficiency.
Ability to proactively source, acquire, build, and maintain relationships with customers and colleagues.
Business acumen and experience providing financial services consultation to business customers.
Extensive knowledge of bank lending programs, credit policies, and specialty products.
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, throughout onboarding, relationship development, and new-client acquisition.
Deliver a branded, client-centric experience that supports business growth and establishes the bank as a trusted partner.
Understand and recommend Wells Fargo financial solutions and digital services tailored to business clients’ needs.
Analyze clients’ operations, goals, and priorities to make suitable financial recommendations in compliance with policies and procedures.
Offer business accounts, credit, treasury services, and digital tools.
Prospect and network with internal and external partners to generate referrals and grow the small-business customer base.
Collaborate with internal banking channels to help business owners develop their overall banking relationship.
Partner with Relationship Managers and Lending Officers on complex structures and ensure alignment with underwriting policies and risk guidelines.
Assess needs and refer customers interested in dwelling-secured products to a SAFE team member without taking an application or offering or negotiating transaction terms.
Meet LO registration, qualification, and ongoing regulatory requirements.