Business Banker (LO) Napa, CA

Wells Fargo•Silverado, CA

3d•$31 - $46•Onsite

About The Position

Wells Fargo is hiring a Business Banker in Consumer Banking and Lending to build, maintain, and grow relationships with business banking clients in branch settings. 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 to acquiring new clients. The banker provides a branded, client-centric experience and positions Wells Fargo as a trusted partner. The Business Banker learns clients’ goals, operations, and financial needs to recommend appropriate financial solutions, including business accounts, credit, treasury services, and digital tools. The role also prospects and networks to develop referrals and works with internal partners, 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 involves customer contact and may include assessing needs and referring customers interested in dwelling-secured products to a SAFE team member. The banker may assist customers but must not take applications or offer or negotiate terms for a dwelling-secured transaction. LO registration is required at employment, along with applicable regulatory qualifications and ongoing screening. The position is based at 3255 Jefferson Street, Napa, California; placement may be within 10 miles of the branch. The position is not eligible for visa sponsorship.

Requirements

At least 2 years of financial services, sales, or customer service experience, or equivalent demonstrated through work experience, training, military experience, education, or a combination.
Must obtain Loan Originator 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.

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 customer and colleague relationships.
Experience applying business acumen to provide 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.
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.
Deliver a branded, client-centric experience that supports growth and establishes the bank as a trusted partner.
Understand and offer Wells Fargo financial solutions and digital services, using available tools and product knowledge to make tailored recommendations.
Analyze client operations, goals, priorities, and financial needs to recommend suitable solutions while following policies and procedures.
Offer business accounts, credit, treasury services, and digital tools.
Prospect and network with external and internal partners to generate 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 an application or offer or negotiate transaction terms.