De Novo Retail Relationship Banker

BMO•Los Angeles, CA

1d•$50,000 - $100,000

About The Position

This Relationship Banker role supports BMO’s De Novo branch expansion. The banker helps launch new locations, shape team culture, and grow client relationships through business development and community networking. The role delivers service and financial guidance to customers and prospects, identifying their needs and recommending solutions in their best interests. The banker works with branch colleagues and BMO partners across channels to provide a strong customer experience and meet business objectives. The position involves consultative customer engagement, needs assessments, advice on personal and small-business banking, lending and investment products, and credit recommendations. It also includes transaction support, appointment generation, risk and compliance responsibilities, and contributing to ongoing improvements in the customer experience. Work may take place at multiple branches or through various channels, and schedules may vary by week according to market needs.

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 investments and lending products.
Consultative customer service or sales experience and a drive to provide a personal customer experience.
Commitment to helping customers and delivering a personal customer experience.
Ability to thrive in a consultative sales and team-based environment and focus on results.
Resourceful, self-starting approach and confidence initiating customer conversations.
Ability to collaborate and work in different capacities as part of a team.
Strong interpersonal skills and ability to build rapport with customers.
Listening, problem-solving, and creative adaptability when facing new challenges.
Specialized knowledge.
Good verbal and written communication skills.
Good organizational skills.
Good collaboration and teamwork skills.
Good analytical and problem-solving skills.
For U.S. roles: Federal registration with the Nationwide Mortgage Licensing System and Registry is required for consumer-loan origination; the Bank will provide instructions on registration requirements. 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.
For roles in Canada, registration to sell investment products, as appropriate for the jurisdiction.

Responsibilities

Proactively engage existing customers and prospects, conduct needs-based assessments, build loyalty, and identify current and future opportunities.
Recommend tailored banking, investment, lending, home-financing, and small-business solutions to address customer sales and service needs.
Explain digital and self-service options to make banking simple and convenient.
Support customer transactions based on branch traffic.
Reach out to customers, generate appointments, and build relationships in the community to grow the business.
Address questions and resolve issues arising from consumer credit audits and quality checks, ensuring accurate information and compliant lending recommendations.
Apply the risk management framework to lending portfolios and protect the Bank’s assets while maintaining portfolio quality.
Make personal lending credit recommendations, including home-financing recommendations, in accordance with credit principles and Bank policies.
Collaborate as a member of the branch and market team.
Understand personal banking and credit-card needs and incorporate relevant marketing programs into customer conversations.
Organize work information to maintain accuracy and completeness.
Find creative ways to personalize customer experiences and contribute to ongoing improvements.
Follow risk and compliance policies, protect customer assets and privacy, and act in customers’ best interests.
Stay informed about financial services, legal and regulatory requirements, and personal banking products, practices, and trends.
Identify and report suspicious activity potentially related to money laundering.
Complete complex and diverse tasks within established limits, handle escalations when applicable, analyze issues, and determine next steps.
Make sound, risk-informed decisions consistent with business strategy, the Bank’s Risk Management Framework and Risk Appetite, applicable policies, laws, and regulations.
Perform other broader work or accountabilities as assigned.