Retail Relationship Banker

BMO • San Clemente, CA

12d • $50,000 - $100,000

About The Position

The Retail Relationship Banker delivers exceptional service to BMO customers and prospects by identifying customer needs and recommending financial solutions that are in customers’ best interests. Working collaboratively with branch colleagues and BMO partners across channels, the banker helps achieve business objectives and provide a personal, convenient customer experience. The role builds customer loyalty and relationships through needs-based assessments, tailored advice, outreach, appointments, and community engagement. Solutions may include everyday banking, retail investments, lending, home financing, and small-business services. The banker also guides customers toward digital and self-service options and supports transaction needs based on customer traffic.

The position makes personal lending credit recommendations, including for home financing, and helps protect the quality and assets of the lending portfolio. It requires adherence to risk management, lending policies, legal and regulatory requirements, privacy standards, and ethical practices. The banker investigates and responds to audit and quality-check issues, identifies suspicious activity that may relate to money laundering, and keeps current on financial products, marketplace developments, and applicable requirements. Work may take place at multiple branches or through different channels, and schedules may vary from week to week in days, hours, and shifts.

The role typically requires 2–3 years of relevant experience and a desirable post-secondary degree in a related field, or an equivalent combination of education and experience. Relevant lending qualifications are required. In Canada, investment-product registration must be completed where applicable. In the U.S., the role requires federal registration with the Nationwide Mortgage Licensing System and Registry, and a criminal background review and credit history evaluation; restrictions also apply to working as a real estate agent.

The listed salary range is $50,000–$100,000, with pay type stated as salaried. Compensation may vary based on location, skills, experience, education, and qualifications, and may include commission, incentives, bonuses, perks, or rewards. BMO offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans. BMO also describes training, coaching, manager support, and network-building opportunities.

Requirements

• Typically 2–3 years of relevant experience.
• A post-secondary degree in a related field of study is desirable, or an equivalent combination of education and experience.
• Appropriate lending qualifications and designations.
• For Canada, completion of registration to sell investment products where appropriate for the jurisdiction.
• 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 commitment to a personal customer experience.
• Confident and experienced use of social media, tablets, smartphones, online tools, and applications.
• Passionate commitment to helping customers and delivering a personal customer experience.
• Results focus and ability to thrive in a consultative sales and team-based environment.
• Resourcefulness and initiative in approaching customers.
• Readiness to collaborate and work in different capacities as part of a team.
• Strong interpersonal skills, including building rapport and connections with customers.
• Ability to listen, solve problems, and respond flexibly and 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. consumer loan origination, federal registration with the Nationwide Mortgage Licensing System and Registry is required; the Bank will provide instructions on registration requirements.
• For the U.S. position, a criminal background review and credit history evaluation are required, and restrictions apply to performing in a real estate agent capacity.

Nice To Haves

• Bilingual Spanish and English is preferred.
• Experience in financial services is an asset.
• Post-secondary degree in a related field of study is desirable.

Responsibilities

• Proactively engage existing customers and prospects, conduct needs-based assessments, and identify current and future opportunities.
• Recommend tailored financial solutions for customers’ sales and service needs, including everyday banking, retail investments, lending, home financing, and small-business solutions.
• Advise customers on digital and self-service options to make banking easier, simpler, and faster.
• Support customer transaction needs according to customer traffic.
• Reach out to customers, generate appointments, and build new relationships in the community.
• Address questions and resolve issues identified through consumer credit audits and quality checks, supporting accurate data entry and compliant lending recommendations.
• Apply the risk management framework to protect the Bank’s assets and maintain lending portfolio quality.
• Make credit recommendations for personal lending transactions, including home financing, in accordance with credit principles and Bank policies.
• Collaborate as a member of a branch and market team, contributing to business results and customer experience.
• Understand customers’ personal banking and credit card needs and incorporate relevant marketing promotions and programs into conversations.
• Organize work information to ensure accuracy and completeness, and seek creative ways to make customer experiences personal.
• Follow risk and compliance policies and processes to safeguard customer assets, protect privacy, and act in customers’ best interests.
• Maintain current knowledge of the financial services marketplace, legal and regulatory environment, personal banking products, practices, and trends.
• Identify and report suspicious activity patterns that may be related to money laundering.
• Protect Bank assets and comply with applicable legal, regulatory, and ethical requirements.
• Analyze issues, determine next steps, and complete complex and diverse tasks within established rules and limits, including possible escalations from other employees.
• Take measured, risk-informed decisions aligned with business strategy, approved risk appetite, policies, laws, and regulations.
• Work at multiple branches or through different channels when market needs require; accommodate schedules that may vary by week.

Benefits

• Health insurance
• Tuition reimbursement
• Accident insurance
• Life insurance
• Retirement savings plans
• Training and coaching
• Manager support
• Network-building opportunities
• 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