De Novo Retail Relationship Banker

BMO • Los Gatos, CA

7d • $50,000 - $100,000

About The Position

This Relationship Banker requisition supports BMO’s DeNovo branch expansion. The role helps launch new locations, shape team culture, and grow customer relationships and business in the community. The Relationship Banker delivers exceptional service to customers and prospects, assesses their financial needs, and recommends appropriate solutions in collaboration with branch colleagues and BMO partners across channels.

The position combines relationship-building, consultative sales, customer service, and lending responsibilities. It includes needs-based conversations about everyday banking, investments, lending, home financing, and small-business solutions; guidance on digital and self-service banking; support for transactions; community outreach and appointment generation; and personal lending credit recommendations. The banker also applies risk-management and compliance requirements, protects customer and bank assets, and contributes to the overall customer experience and business results.

The role may involve working at multiple branches or through different channels according to market needs. The schedule may vary from week to week in days, hours, and shifts. Broader work or accountabilities may be assigned as needed.

Requirements

• Typically 2–3 years of relevant experience.
• Post-secondary degree in a related field of study 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 financial services is an asset.
• Confidence and experience using social media, tablets, smartphones, online tools, and applications.
• Experience in a consultative customer-service or sales role and motivation to provide a personal customer experience.
• Commitment to helping customers and a focus on results in a consultative sales and team-based environment.
• Resourcefulness and confidence in approaching customers.
• Readiness to collaborate and work in different capacities as part of a team.
• Strong interpersonal skills, including the ability to build rapport and connections with customers.
• Listening, problem-solving, flexibility, and creativity in responding to new challenges.
• Good verbal and written communication skills.
• Good organization skills.
• Good collaboration and teamwork skills.
• Good analytical and problem-solving skills.
• U.S. only: Federal registration with the Nationwide Mortgage Licensing System and Registry is required for the position’s consumer-loan origination activities; 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.
• Canada only: Registration to sell investment products must be completed, as appropriate for the jurisdiction.

Nice To Haves

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

Responsibilities

• Proactively engage existing customers and prospects, conduct needs-based assessments, grow loyalty, and identify immediate and future opportunities.
• Recommend tailored financial solutions for everyday banking, retail investments, lending, home financing (including business-for-self applications), and small-business needs.
• Advise customers on digital and self-service banking options.
• Support customer transaction needs based on customer traffic.
• Reach out to prospective customers, generate appointments, and build relationships in the community to grow BMO’s business.
• Address questions and resolve issues identified through consumer credit audits and quality checks, ensuring accurate data entry and lending recommendations that comply with requirements and policies.
• Apply the risk-management framework to the lending portfolio and help maintain its quality in accordance with established guidelines.
• Make credit recommendations for personal lending transactions, including home financing, in accordance with sound credit principles and bank policies.
• Collaborate as a member of the branch and market team and contribute to business results and customer experience.
• Discuss personal banking and credit-card needs and incorporate relevant promotions and programs into customer conversations.
• Organize work information accurately and completely; take initiative to personalize customer experiences and improve the overall 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 markets, the legal and regulatory environment, personal banking products, practices, and trends.
• Identify and report suspicious patterns of activity suspected to be related to money laundering.
• Comply with applicable jurisdictional legal and regulatory requirements and protect the Bank’s assets.
• Complete complex and diverse tasks within assigned limits, handle escalations when needed, analyze issues, and determine next steps.
• Take measured, risk-informed decisions consistent with the Risk Management Framework, Risk Culture, approved Risk Appetite, applicable policies, laws, and regulations.

Benefits

• Health insurance
• Tuition reimbursement
• Accident and life insurance
• Retirement savings plans
• The total compensation package may include performance-based incentives, discretionary bonuses, and other perks and rewards.
• Training and coaching, manager support, and network-building opportunities.

What This Job Offers

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