De Novo Retail Relationship Banker

BMO • San Francisco, CA

1d • $50,000 - $100,000

About The Position

This Relationship Banker role supports BMO’s De Novo branch expansion, helping launch new locations, shape team culture, and grow client relationships. The banker delivers exceptional service to customers and prospects, identifies their financial needs, and recommends tailored solutions in their best interests. Working collaboratively with branch colleagues and BMO partners, the banker contributes to customer experience and business objectives through needs-based advice, business development, and community networking.

The role covers everyday banking, retail investments, personal lending, home financing, and small business solutions. It involves customer outreach and appointment generation, guidance on digital banking options, support for transactions as traffic requires, and credit recommendations in accordance with lending policies. The banker also applies risk and compliance processes, protects customer information and bank assets, identifies suspicious activity, and maintains current knowledge of financial products, regulations, and industry practices.

The position may involve working at multiple branches or across channels, with a schedule that may change from week to week in days, hours, and shifts. The U.S. position requires federal registration with the Nationwide Mortgage Licensing System and Registry for consumer loan origination, along with a criminal background review and credit history evaluation.

Requirements

• Typically 2–3 years of relevant experience and a post-secondary degree in a related field are 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, with a commitment to a personal customer experience.
• Confident and experienced use of social media, tablets, smartphones, online tools, and applications.
• Strong interpersonal skills and the ability to build rapport and connections with customers.
• Listening, problem-solving, and flexible, creative response skills.
• Good verbal and written communication skills.
• Good organization skills.
• Good collaboration and teamwork skills.
• Good analytical and problem-solving skills.
• For Canada: Registration to sell investment products completed, as appropriate for the jurisdiction.
• For the U.S.: Federal registration with the Nationwide Mortgage Licensing System and Registry is required; a criminal background review and credit history evaluation are also required, 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 BMO customers and prospects and provide advice on financial solutions suited to their needs.
• Proactively engage existing customers and prospects with needs-based assessments to build loyalty and identify current and future opportunities.
• Recommend tailored banking, investment, lending, home financing, and small business solutions that address customers’ sales and service needs.
• Explain available digital and self-service options to make banking easier, simpler, and faster.
• Support customer transactions according to customer traffic.
• Conduct outreach, generate appointments, and build new customer relationships within the community.
• Address issues arising from consumer credit audits and quality checks, ensuring accurate data entry and lending recommendations comply with applicable requirements.
• Apply risk-management practices to lending portfolios and make personal lending credit recommendations, including for home financing, in accordance with bank policies and sound credit principles.
• Collaborate as a member of branch and market teams and contribute to business results and customer experience improvements.
• Integrate relevant marketing promotions and programs into customer conversations.
• Organize work information to ensure accuracy and completeness and take initiative to personalize customer experiences.
• Follow risk, compliance, privacy, and asset-protection policies and applicable legal, regulatory, and ethical requirements.
• Keep current on the financial services marketplace, regulatory environment, personal banking products, practices, and trends.
• Identify and report suspicious activity patterns potentially related to money laundering.
• Analyze issues, determine next steps, and complete complex and diverse tasks within established rules and limits, including escalations when needed.
• Work at multiple branches or through different channels as market needs require; the schedule may vary by week.

Benefits

• Health insurance
• Tuition reimbursement
• Accident and life insurance
• Retirement savings plans
• Performance-based incentives, discretionary bonuses, perks, and rewards may be included in total compensation.

What This Job Offers

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