Business Banker (LO) Napa, CA

Wells Fargo Bank•Napa, CA

1d•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 branches. 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 role delivers a branded, client-centric experience and positions Wells Fargo as a trusted partner. The banker learns clients’ goals and financial needs by analyzing their operations and priorities, then recommends appropriate financial solutions and digital services. Products and services may include business accounts, credit, treasury services, and digital tools. The role includes prospecting and networking, developing internal and external referral relationships, and collaborating with banking channels, Relationship Managers, and Lending Officers on complex structures in alignment with underwriting policies and risk guidelines. This Loan Originator position involves customer contact and may include assessing needs and referring customers interested in a dwelling-secured product to a SAFE team member. The banker 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 applicable regulatory qualifications and ongoing screening. The position is not eligible for visa sponsorship. The listed branch is at 3255 Jefferson St., Napa, California; placements may be within 10 miles of the branch. The posted base pay range is $30.77–$45.67, with possible incentive opportunities.

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

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 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, from onboarding through relationship deepening and new-client acquisition.
Understand and offer Wells Fargo financial solutions and digital services, using available tools to provide tailored recommendations.
Analyze each client’s operations, goals, and financial needs and recommend solutions aligned with their objectives and applicable policies.
Advise clients on products and services, including 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 broader client relationships.
Partner with Relationship Managers and Lending Officers on complex structures while following 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, compliance, and regulatory requirements, escalate and remediate issues, and make sound risk decisions.