DeNovo Retail Relationship Banker

BMO • Los Angeles, CA

6d • $50,000 - $100,000

About The Position

The Retail Relationship Banker supports BMO’s De Novo branch expansion, helping launch new locations, shape team culture, and grow client relationships. The role delivers exceptional service to customers and prospects by assessing their financial needs and recommending appropriate solutions. It builds loyalty and business through proactive outreach, appointments, community relationships, and tailored advice across everyday banking, investments, lending, home financing, and small business needs.

The banker works collaboratively across the branch, market, and other channels; helps customers use digital and self-service options; and supports transactions as traffic requires. The position also makes personal lending credit recommendations, follows lending and risk requirements, and protects customer and Bank assets through compliance and responsible decision-making. Work may take place at multiple branches or through various channels, and the weekly schedule may vary by days, hours, and shifts.

The role requires keeping current on banking products, marketplace trends, and legal and regulatory requirements; identifying suspicious activity; maintaining accurate information; and contributing to improved customer experiences and business results. Broader responsibilities may be assigned as needed.

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 investment and lending products.
• Experience in a consultative customer service or sales role, with a focus on delivering a personal customer experience.
• Confident and experienced using social media, tablets, smartphones, online tools, and applications.
• Strong 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, with confidence approaching customers.
• Ability 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 when responding to challenges.
• 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 for the position’s consumer loan origination duties; a criminal background review and credit history evaluation are required, along with restrictions on working as a real estate agent.

Nice To Haves

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

Responsibilities

• Proactively engage existing customers and prospects, conduct needs-based assessments, and identify immediate and future opportunities.
• Recommend tailored financial solutions for everyday banking, retail investments, lending, home financing, and small business needs.
• Explain digital and self-service options to help customers bank easily, simply, and quickly.
• Support customer transactions according to customer traffic.
• Generate appointments and build new customer relationships through outreach and community engagement.
• Address questions and resolve issues from consumer credit audits and quality checks, ensuring accurate data entry and lending recommendations.
• Apply risk management practices to lending portfolios and make personal lending credit recommendations in accordance with Bank policies and sound credit principles.
• Collaborate with branch, market, and BMO partner teams to achieve business objectives and deliver a strong customer experience.
• Integrate relevant marketing promotions and programs into conversations about customers’ personal banking and credit card needs.
• Organize work information accurately and completely, and contribute ideas to improve the customer experience.
• Follow risk, compliance, privacy, legal, regulatory, and ethical requirements; protect customer and Bank assets.
• Keep current on financial services, personal banking products and practices, and regulatory requirements.
• Identify and report suspicious patterns of activity potentially related to money laundering.
• Analyze issues, determine next steps, and handle complex tasks or escalations within established rules and limits.
• Take sound, risk-informed actions consistent with the Bank’s Risk Management Framework, Risk Culture, and approved Risk Appetite.

Benefits

• Health insurance
• Tuition reimbursement
• Accident insurance
• Life insurance
• Retirement savings plans
• The total compensation package may include performance-based incentives, discretionary bonuses, and other perks and rewards.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: Associate degree