Business Banker (LO) Laguna Beach, CA

Wells Fargo•Laguna Beach, CA

2d•$31 - $46•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 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 works to position Wells Fargo as a trusted partner. The Business Banker learns about clients’ goals, operations, and financial needs and provides tailored recommendations using Wells Fargo business accounts, credit, treasury services, digital services, and other financial solutions. The role actively prospects and networks, develops internal and external referral relationships, and collaborates with banking channels, Relationship Managers, and Lending Officers. Complex structures are supported in partnership with those colleagues and in alignment with underwriting policies and risk guidelines. This Loan Originator position includes customer contact and may involve assessing needs and referring customers interested in dwelling-secured products to a SAFE team member. The position assists customers but does not take applications or offer or negotiate terms for dwelling-secured transactions. LO registration is required at employment, along with applicable regulatory qualifications and ongoing screening requirements. The position is based at the Laguna Beach branch, with banker placement potentially within a 10-mile radius. Visa sponsorship is not available.

Requirements

At least 2 years of financial services, sales, or customer service experience, or equivalent demonstrated through work experience, training, military experience, or education.
Meet Loan Originator qualification requirements, including applicable financial responsibility, character, general financial fitness, and criminal background standards.
Complete required LO registration at the time of employment and meet ongoing regulatory requirements.

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 applying 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 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.
Own the client journey, including onboarding, deepening relationships, and acquiring new clients.
Deliver a branded, client-centric experience and position Wells Fargo 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 in compliance with 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 their overall banking relationships.
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.
Follow applicable risk and compliance programs, policies, procedures, and regulatory requirements.