Business Banker (LO) Laguna Beach, CA

Wells Fargo Bank•Laguna Beach, CA

2d•Onsite

About The Position

Wells Fargo is seeking a Business Banker in Consumer Banking and Lending. The role builds, maintains, and grows relationships with business banking clients through branch-based interactions, providing a branded, client-centric experience. 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 through relationship deepening and new-client acquisition. The banker learns clients’ goals, operations, and financial needs and recommends tailored financial solutions, including business accounts, credit, treasury services, and digital tools. The role also involves prospecting and networking, generating referrals, and collaborating with internal banking channels, Relationship Managers, and Lending Officers. For complex structures, the banker partners with Lending Officers and Relationship Managers to ensure alignment with underwriting policies and risk guidelines. This Loan Originator (LO) position involves customer contact and may include assessing needs and referring customers interested in a dwelling-secured product to a SAFE team member. The employee may assist customers but must not take an application or offer or negotiate terms for a dwelling-secured transaction. LO registration is required at employment, along with meeting applicable regulatory qualification and ongoing screening requirements. The position is not eligible for visa sponsorship. The position is based at the Laguna Beach branch, with banker placements potentially within 10 miles of the branch. The stated base pay range is $30.00–$45.00 per hour for Laguna Beach, with pay depending on factors such as performance, skills, experience, and work location. Employees may also be eligible for incentive opportunities.

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 obtain LO registration at the time of employment and meet applicable Consumer Financial Protection Bureau qualification requirements and Wells Fargo policies.
Must meet applicable financial responsibility, character, general financial fitness, and criminal background standards, as well as ongoing regulatory requirements and any necessary additional screening.
Not eligible for visa sponsorship.

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 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.
Own the client journey from onboarding through relationship deepening and acquiring new clients.
Deliver a branded, client-centric experience that drives growth and positions the bank as a trusted partner.
Understand and offer Wells Fargo financial solutions and digital services tailored to business clients’ needs.
Analyze clients’ operations, priorities, goals, and financial needs to provide appropriate recommendations while following policies and procedures.
Advise clients on business accounts, credit, treasury services, and digital tools.
Prospect and network to build relationships with external and internal partners, generate high-quality referrals, and grow the small business customer base.
Collaborate with internal banking channels to support business owners and develop their overall banking relationships.
Partner with Relationship Managers and Lending Officers on complex structures and maintain alignment with underwriting policies and risk guidelines.
Assess customer needs and refer customers interested in dwelling-secured products to a SAFE team member, without taking an application or offering or negotiating transaction terms.
Follow applicable risk and compliance programs, policies, and procedures; escalate and remediate issues as appropriate.