De Novo Retail Relationship Banker

Bank of Montreal•San Francisco, CA

1d•$50,000 - $100,000

About The Position

The Relationship Banker supports BMO’s De Novo branch expansion, helping launch new locations, shape team culture, and grow client relationships. The role delivers exceptional service to customers and prospects, identifies their financial needs, and recommends suitable banking, investment, lending, home-financing, and small-business solutions. The banker builds community relationships, proactively engages customers and prospects, and helps make banking easy through digital and self-service options. Working collaboratively with branch and market teams, the Relationship Banker supports customer transactions, generates appointments, develops new relationships, and contributes to business results and the overall customer experience. The role also makes personal lending credit recommendations, follows lending and risk controls, and ensures customer information and applications are accurate and compliant. Work may take place at multiple branches or through different channels, and schedules may vary by week. The position requires sound judgment and adherence to the Bank’s risk-management framework, policies, laws, regulations, and ethical standards. The banker stays informed about financial products, industry trends, and regulatory requirements, protects customer privacy and Bank assets, and identifies suspicious activity. In the U.S., the role requires federal registration with the Nationwide Mortgage Licensing System and Registry and is subject to criminal background and credit-history reviews.

Requirements

Typically 2–3 years of relevant experience.
Post-secondary degree in a related field is desirable, or an equivalent combination of education and experience.
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, with a focus on delivering a personal customer experience.
Confident and experienced use of social media, tablets, smartphones, online tools, and applications.
Strong interpersonal skills and ability to build rapport and connections with customers.
Listening, problem-solving, and adaptability skills, including the ability to respond creatively to new challenges.
Good verbal and written communication skills.
Good organization skills.
Good collaboration and teamwork skills.
Good analytical and problem-solving skills.
Passion for helping customers, results orientation, and ability to thrive in a consultative sales and team-based environment.
Resourcefulness and confidence in approaching customers; readiness to collaborate in different team capacities.
Canada only: Registration to sell investment products completed, as appropriate for the jurisdiction.
Appropriate lending qualifications and designations.
U.S. only: Federal registration with the Nationwide Mortgage Licensing System and Registry is required; the Bank will provide instructions on registration requirements.
U.S. only: A criminal background review and credit-history evaluation are required, and restrictions apply to performing in a real-estate-agent capacity.

Nice To Haves

Experience in financial services is an asset.

Responsibilities

Deliver exceptional service to BMO customers and prospects, identifying their needs and providing appropriate financial advice and guidance.
Conduct needs assessments and recommend tailored everyday banking, retail investment, lending, home-financing, and small-business solutions.
Explain digital and self-service options to help customers bank easily, simply, and quickly.
Support customer transactions based on branch traffic.
Proactively contact existing customers and prospects, generate appointments, build community relationships, and grow business.
Make credit recommendations for personal lending transactions, including home financing, in accordance with credit principles and Bank policies.
Address questions and resolve issues raised through consumer credit audits and quality checks; ensure accurate data entry and lending recommendations.
Apply risk-management processes to protect Bank assets and maintain lending portfolio quality.
Collaborate with branch, market, and Bank partners to deliver a positive customer experience and achieve business objectives.
Integrate relevant marketing promotions and programs into customer conversations.
Organize work information for accuracy and completeness, and contribute ideas to improve the customer experience.
Follow risk, compliance, privacy, legal, regulatory, and ethical requirements; identify and report suspicious activity that may relate to money laundering.
Maintain current knowledge of personal banking products, practices, trends, and the financial-services regulatory environment.
Complete complex and diverse tasks within established rules and limits, analyze issues, and determine next steps.
Work at multiple branches or through various channels as required by market needs.