Senior Business Banking Relationship Manager (LO) San Bernardino

Wells Fargo Bank•San Bernardino, CA

7d•Onsite

About The Position

Wells Fargo is seeking a Senior Business Banking Relationship Manager to support business customers in an assigned local market. The role focuses on sourcing and onboarding new business clients, developing relationships with existing customers, managing a moderately complex book of business, and growing portfolios through deposits and other banking opportunities. The position involves visiting customers and prospects outside the branch within the assigned market or geography. The manager assesses clients’ financial and credit needs, structures and supports secured and unsecured credit solutions within delegated authority, and recommends Wells Fargo business banking products, including credit, treasury management, and digital banking tools. The role collaborates with credit partners, product teams, and other internal stakeholders to develop client solutions, manage risk, improve the client experience, and support operational excellence. This Loan Originator (LO) position includes customer contact and may involve assessing needs and referring customers interested in dwelling-secured products to a SAFE team member. The role does not involve taking an application or offering or negotiating terms of a dwelling-secured transaction. LO qualification requirements include applicable financial responsibility, character, general financial fitness, and criminal background standards, as well as ongoing regulatory requirements and any necessary additional screening.

Requirements

At least 4 years of banking experience, or equivalent demonstrated through work experience, training, military experience, education, or a combination of these.
Meet applicable Loan Originator qualification requirements, including financial responsibility, character, general financial fitness, and criminal background standards.
Meet ongoing regulatory requirements, including additional screening if necessary.

Nice To Haves

At least 2 years of experience sourcing and/or managing a portfolio of clients with $2 million to $25 million in annual revenue.
Strong knowledge of deposit and cash management products and services.
Strong relationship-building skills and excellent communication skills with individuals at all levels, internally and externally.
Ability to balance client needs with associated risks and Wells Fargo’s interests.
At least 3 years of business-to-business sales experience.
An established network in the local market.
Knowledge and understanding of the financial services industry.
Excellent verbal, written, and interpersonal communication skills.
Intermediate Microsoft Office skills.
A BS/BA degree or higher.

Responsibilities

Source and onboard new business clients through strategic prospecting, community outreach, and internal referrals.
Build visibility and develop relationships with Centers of Influence to support long-term relationship development.
Deepen existing customer relationships by understanding client priorities and identifying opportunities for engagement and expansion.
Manage a moderately complex book of business.
Grow the portfolio by increasing core deposit balances and identifying opportunities to deepen client relationships.
Manage risk exposure and ensure alignment with underwriting policies and risk guidelines.
Conduct financial and credit assessments, including analysis of cash flow, collateral, and business operating cycles.
Structure and support secured and unsecured credit solutions within delegated authority, coordinating with credit partners as needed.
Present credit recommendations and financial strategies to clients and internal stakeholders.
Recommend and deliver Wells Fargo business banking products, including credit, treasury management, and digital banking tools.
Tailor financial solutions to clients’ operating cycles, cash flow needs, and strategic goals.
Collaborate with product teams and internal stakeholders to address client challenges and streamline processes.
Communicate proactively with financial decision-makers and provide responsive service.
Provide feedback to improve tools and offerings, client experience, and operational excellence.
Retain and grow client relationships by advising on financial strategies and managing expectations transparently and carefully.
Visit customers and prospects outside the branch within the assigned market or geography.
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 programs, Wells Fargo policies and procedures, and regulatory requirements; escalate and remediate issues as appropriate.