Business Banker (LO) San Francisco, CA

Wells Fargo Bank•San Francisco, CA

1d•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 branches. 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 through relationship growth and new-client acquisition. The Business Banker provides a branded, client-centric experience and serves as a trusted partner to business owners. The position involves understanding clients’ goals, operations, and financial needs; offering tailored recommendations from Wells Fargo’s business accounts, credit, treasury services, and digital tools; and working with internal banking channels, Relationship Managers, and Lending Officers. The role requires compliance with policies, underwriting standards, risk guidelines, and applicable Loan Originator regulations. This position requires LO registration after employment begins and is not eligible for visa sponsorship. Banker placements may be within a 10-mile radius of the branch to which the candidate applies.

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; Wells Fargo will initiate the registration process after the employment start date.
Must meet Consumer Financial Protection Bureau Loan Originator qualification requirements, including applicable financial responsibility, character, general financial fitness, and criminal background standards.
Must 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 speaking and listening proficiency in Spanish and English.
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 conduct follow-ups 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 new-client acquisition, providing a branded, client-centric experience.
Understand and offer Wells Fargo financial solutions and digital services, using available tools and product knowledge to provide tailored recommendations.
Analyze clients’ operations, goals, priorities, and financial needs to recommend solutions aligned with their objectives and applicable policies.
Advise clients on a range of products and services, including 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 broader 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; do not take applications or offer or negotiate transaction terms.
Follow applicable risk, compliance, and regulatory obligations and make sound risk decisions.