De Novo Relationship Banker

BMO • San Francisco, CA

10d • $50,000 - $100,000

About The Position

The De Novo Relationship Banker supports BMO’s branch expansion by helping launch new locations, shape team culture, and drive client growth. The role delivers exceptional service to customers and prospects, identifies their needs, and provides advice on financial solutions that serve their interests. Working collaboratively within the branch and with BMO partners across channels, the banker helps deliver a strong customer experience and achieve business objectives.

The banker proactively engages existing customers and prospects through needs-based assessments, builds community relationships, generates appointments, and recommends tailored banking, investment, lending, home financing, and small-business solutions. The role also guides customers toward digital and self-service options, supports transaction needs, makes personal-lending credit recommendations, and helps maintain the quality and compliance of the lending portfolio.

The position applies BMO’s risk management framework, follows legal and regulatory requirements, safeguards customer assets and privacy, and identifies suspicious activity. Work may take place at multiple branches or through different channels, and the weekly schedule may vary by days, hours, and shifts. Broader duties may be assigned as needed.

Requirements

• Typically 2–3 years of relevant experience and a post-secondary degree in a related field, or an equivalent combination of education and experience.
• Appropriate lending qualifications and designations.
• Working knowledge of personal and small-business customer needs and solutions.
• Working knowledge of retail investment and lending products.
• Experience in a consultative customer service or sales role and a drive to deliver a personal customer experience.
• Confident and experienced use of social media, tablets, smartphones, online tools, and applications.
• Passionate commitment to helping customers and a focus on results in a consultative sales and team-based environment.
• Resourcefulness and initiative, including confidence approaching customers.
• Ability to collaborate and work in different capacities as part of a team.
• Strong interpersonal skills and ability to build rapport and connections with customers.
• Listening, problem-solving, and flexible, creative responses to new challenges.
• Good verbal and written communication skills.
• Good organization skills.
• Good collaboration and teamwork skills.
• Good analytical and problem-solving skills.
• Canada only: Registration to sell investment products completed, as appropriate for the jurisdiction.
• U.S. only: Federal registration with the Nationwide Mortgage Licensing System and Registry is required for consumer loan origination; criminal background and credit history reviews apply, along with restrictions on performing in a real estate agent capacity.

Nice To Haves

• Experience in financial services is an asset.
• A post-secondary degree in a related field of study is desirable.

Responsibilities

• Deliver exceptional service to customers and prospects and provide advice on financial solutions suited to their needs.
• Proactively engage existing customers and prospects through needs-based assessments to grow loyalty and identify current and future opportunities.
• Recommend tailored solutions for everyday banking, retail investments, lending, home financing, and small-business needs.
• Explain digital and self-service banking options to help customers bank easily, simply, and quickly.
• Support customer transaction needs according to customer traffic.
• Reach out to prospective customers, generate appointments, and build new community relationships to grow BMO’s business.
• Address questions and resolve issues identified through consumer credit audits and quality checks, ensuring accurate data entry and compliant lending recommendations.
• Apply risk management practices to protect Bank assets and maintain lending portfolio quality.
• Make credit recommendations for personal lending transactions, including home financing, in accordance with credit principles and Bank policies.
• Collaborate as a member of the branch and market team.
• Understand customers’ personal banking and credit card needs and incorporate relevant marketing promotions into conversations.
• Organize work information to ensure accuracy and completeness.
• Find creative ways to personalize customer experiences and contribute to ongoing improvements in customer experience.
• Follow risk and compliance processes and policies to safeguard customer assets, maintain privacy, and act in customers’ best interests.
• Maintain current knowledge of financial services, the legal and regulatory environment, personal banking products, practices, and trends.
• Identify and report suspicious activity patterns that may be related to money laundering.
• Comply with jurisdictional legal and regulatory requirements and protect the Bank’s assets.
• Handle complex and diverse tasks within established limits, including possible escalations from other employees; analyze issues and determine next steps.
• Make sound, risk-informed decisions within BMO’s Risk Management Framework, Risk Culture, and approved Risk Appetite.

Benefits

• Health insurance
• Tuition reimbursement
• Accident and life insurance
• Retirement savings plans
• Performance-based incentives and discretionary bonuses may be included, depending on pay type.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: No Education Listed