De Novo Retail Relationship Banker

Bank of Montreal•Los Angeles, CA

About The Position

Join BMO’s De Novo branch expansion as a Relationship Banker, helping launch new locations, shape team culture, and drive client growth. The role calls for creativity, business development, an entrepreneurial mindset, and a focus on building community and networking relationships. You will deliver exceptional service to customers and prospects, assess their needs, and recommend suitable personal banking, investment, lending, home-financing, and small-business solutions. You will engage existing and prospective customers, build relationships and loyalty, generate appointments, and guide customers toward digital and self-service banking options. You will also support branch transactions and collaborate with colleagues and partners to meet customer needs and business objectives. The position includes making personal lending credit recommendations, applying risk-management practices, and ensuring accurate applications and compliance with lending policies, legal requirements, and regulatory standards. You will protect customer privacy and bank assets, identify suspicious activity, keep current on products and industry requirements, and contribute to improving the customer experience. Work may take place at multiple branches or through different channels, and schedules may vary from week to week.

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.
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.
Confidence using social media, tablets, smartphones, online tools, and applications.
Passion for helping customers and a focus on results in a consultative sales and team-based environment.
Resourcefulness and 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 adaptability skills, including responding creatively to new challenges.
Good verbal and written communication skills.
Good organization skills.
Good collaboration and teamwork skills.
Good analytical and problem-solving skills.
For U.S. positions: Federal registration with the Nationwide Mortgage Licensing System and Registry is required for this consumer-loan-originator position; the Bank will provide instructions on registration requirements.
For U.S. positions: 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.
For Canada positions, registration to sell investment products completed, as appropriate for the jurisdiction.

Responsibilities

Deliver exceptional service to BMO customers and prospects and provide advice in customers’ best interests.
Conduct needs assessments and recommend tailored banking, investment, lending, home-financing, and small-business solutions.
Proactively engage existing customers and prospects to build loyalty, identify opportunities, generate appointments, and develop community relationships.
Explain digital and self-service options to help customers bank easily, simply, and quickly.
Support customer transactions according to branch traffic and collaborate with branch and market teams to achieve business objectives.
Address questions and resolve issues arising from consumer credit audits and quality checks, ensuring accurate data entry and lending recommendations.
Apply risk-management practices to protect bank assets and maintain lending portfolio quality in accordance with applicable guidelines and requirements.
Make credit recommendations for personal lending transactions, including home financing, in accordance with sound credit principles and bank policies.
Integrate relevant marketing promotions into customer conversations and provide strategic advice about personal banking and credit card needs.
Organize work information accurately and completely, take initiative to personalize customer experiences, and contribute to ongoing improvements.
Follow risk, compliance, privacy, and other required processes and policies; identify and report suspicious activity potentially related to money laundering.
Maintain current knowledge of financial services, personal banking products, practices, trends, and applicable legal and regulatory requirements.
Make sound, risk-informed decisions consistent with the Bank’s Risk Management Framework, Risk Culture, approved Risk Appetite, policies, and laws.
Complete complex and diverse tasks within applicable rules and limits, including handling escalations from other employees.
Work at multiple branches or through various channels as market needs require.