BENJAMIN M. RANSOM
Wells Fargo & Company
Sacramento,CA
10
years of professional experience
Senior business banking professional with 15+ years at Wells Fargo supporting small business, emerging middle market and middle market business clients through relationship management, portfolio support, and growth-focused financial solutions. Proven ability to deepen client relationships, expand deposit and treasury balances, and partner cross-functionally to deliver credit, cash management, and digital banking solutions. Strong background in client onboarding, risk awareness, compliance, and proactive client engagement within the Sacramento market.
Work History
Commercial Banking Relationship Associate
4 Years 4 Months- Support and manage a portfolio of business clients by proactively identifying relationship-deepening opportunities while ensuring adherence to risk, compliance, and regulatory standards.
- Partner closely with Relationship Managers, credit teams, treasury partners, and operations to support secured and unsecured credit requests, onboarding, and ongoing relationship needs.
- Conduct client discovery conversations to assess operating cycles, cash flow needs, and growth objectives, recommending appropriate deposit, treasury, and digital banking solutions.
- Drive relationship expansion through identification of cross-sell opportunities across core deposits, ACH, wires, and treasury management services.
- Facilitate end-to-end onboarding for new business relationships, including due diligence, COBO, authorization certificates, and documentation review.
- Assist clients with training and navigation of Wells Fargo digital banking platforms, improving adoption and client experience.
- Proactively manage client issues and escalations, ensuring timely resolution and maintaining strong client satisfaction and retention.
- Ensure all client interactions and account activity align with Wells Fargo policies, underwriting guidelines, and regulatory requirements.
Branch Manager
5 Years 5 Months- Led branch operations while serving as a trusted financial partner to small business and consumer clients within the local market.
- Grew business banking relationships through proactive outreach, referrals, and relationship-based conversations with business owners.
- Developed and maintained strong community presence and local market relationships to support business development efforts.
- Balanced sales performance with risk management, ensuring compliance with credit, operational, and regulatory standards.
- Managed branch performance across customer experience, sales, and operational metrics while consistently achieving top-tier results.
- Conducted financial reviews, audits, and performance assessments to ensure accuracy, compliance, and operational excellence.
- Recruited, coached, and developed team members to maximize performance and deliver exceptional client experiences.
Education
- Accounting & Finance
Coursework in Accounting & Finance
Skills
Business Banking Relationship Management
Portfolio Support & Relationship Deepening
Business Development & Prospecting
Deposit & Treasury Management Solutions
Client Onboarding & Due Diligence
Credit Support & Risk Awareness
Cash Flow & Financial Needs Assessment
Compliance & Regulatory Alignment
Client Advisory & Stakeholder Communication
Microsoft Office (Intermediate)
Accomplishments
- Multiple Top Customer Experience and Top Sales Performing Branch awards
- Certified Small Business Champion
REGULATORY & PROFESSIONAL HIGHLIGHTS
- Extensive experience operating within Wells Fargo risk, compliance, and regulatory frameworks
- Strong understanding of business banking products, treasury services, and client onboarding requirements
- Proven ability to balance client needs with associated risk and bank policy considerations
Timeline
Commercial Banking Relationship Associate
Wells Fargo & Company
04.2022 - CurrentRead More
Branch Manager
Wells Fargo & Company
11.2016 - 04.2022Read More
Sacramento City College
from Accounting & Finance
Read More