Retail Relationship Banker

Bank of Montreal • Torrance, CA

14d • $50,000 - $100,000

About The Position

The Retail Relationship Banker delivers exceptional service to BMO customers and prospects by assessing their needs and recommending financial solutions that support their best interests. Working collaboratively with branch colleagues and BMO partners, the banker builds customer loyalty, develops new relationships, and contributes to branch and business objectives. The role involves recommending solutions across everyday banking, retail investments, lending, home financing, and small business banking, as well as helping customers use digital and self-service options. The banker also supports transactions as needed based on customer traffic.

This position is responsible for accurate and compliant lending recommendations, making credit recommendations for personal lending transactions, including home financing, and applying risk-management practices to protect the Bank’s assets and lending portfolio. The banker follows risk, privacy, legal, regulatory, and ethical requirements; identifies suspicious patterns potentially related to money laundering; and stays informed about banking products, practices, trends, and the wider financial services marketplace. The role may involve working at multiple branches or through different channels, with a schedule that may vary by week, including days, hours, and shifts. Additional duties may be assigned as needed.

Requirements

• Typically 2–3 years of relevant experience.
• Post-secondary degree in a related field 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.
• Confident and experienced use of social media, tablets, smartphones, online tools, and applications.
• Experience in a consultative customer service or sales role and a drive to deliver a personal customer experience.
• 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.
• Resourceful self-starter with confidence to approach 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, and adaptability skills, including responding 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.
• U.S. only: Federal registration with the Nationwide Mortgage Licensing System and Registry is required for this role as a consumer-loan originator; the Bank will provide instructions on registration requirements.
• U.S. only: 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 is an asset.
• Canada only: Registration to sell investment products completed, as appropriate for the jurisdiction.
• A post-secondary degree in a related field of study.

Responsibilities

• Engage existing customers and prospects proactively, assess their needs, and recommend tailored financial solutions for sales and service needs.
• Build customer loyalty and identify immediate and future opportunities through needs-based conversations.
• Recommend everyday banking, retail investment, lending, home financing, and small business solutions.
• 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 in the community.
• Address questions and resolve issues raised through consumer credit audits and quality checks; ensure accurate data entry and compliant lending recommendations.
• Apply risk-management practices to protect Bank assets and maintain lending portfolio quality within established guidelines.
• Make credit recommendations for personal lending, including home financing, in accordance with sound credit principles and Bank policies.
• Collaborate with branch and market teams and contribute to business results and the customer experience.
• Discuss personal banking and credit card needs and incorporate relevant marketing promotions and programs into customer conversations.
• Organize work information accurately and completely, take initiative to personalize customer experiences, and identify ways to improve the overall experience.
• Follow risk and compliance processes and policies to safeguard customer assets and privacy and act in customers’ best interests.
• Stay current on financial services, legal and regulatory requirements, personal banking products, practices, and trends.
• Identify and report suspicious activity patterns potentially related to money laundering.
• Complete complex and diverse tasks within established rules and limits, handle escalations from other employees when needed, and analyze issues to determine next steps.
• Apply the Risk Management Framework and make sound, risk-informed decisions consistent with business strategy, approved risk appetite, policies, laws, and regulations.

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.
• 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