Retail Relationship Banker

BMO • San Jose, CA

4d • $50,000 - $100,000

About The Position

Delivers exceptional service to BMO customers and prospects by identifying customer needs and providing advice and guidance on financial solutions that are in customers’ best interests. Works collaboratively within the branch and with BMO partners across channels to deliver a strong customer experience and meet business objectives. Proactively engages customers and prospects through needs-based assessments, tailored recommendations, relationship building, and guidance on digital and self-service banking options. Supports customer transactions according to branch traffic and may work at multiple branches or through different channels depending on market needs. The weekly schedule may vary in days, hours, and shifts.

The role supports personal and small business banking needs, including everyday banking, retail investments, lending, home financing, and small business solutions. It includes making personal lending credit recommendations, managing lending risk, responding to audits and quality checks, and following applicable policies and legal and regulatory requirements. The banker also contributes to branch and market team results, maintains current knowledge of financial products and the regulatory environment, identifies suspicious activity, and protects customer privacy and Bank assets.

Requirements

• Typically 2–3 years of relevant experience and a post-secondary degree in a related field of study, 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 and a commitment to delivering a personal customer experience.
• Confident and experienced use of social media, tablets, smartphones, online tools, and applications.
• Strong interpersonal skills, including the ability to build rapport and connections with customers.
• Listening, problem-solving, and adaptability skills, including the ability to respond creatively to new challenges.
• Ability to focus on results and thrive in a consultative sales and team-based environment.
• Resourcefulness and confidence approaching customers.
• Readiness to collaborate and work in different capacities as part of a team.
• Good verbal and written communication skills.
• Good organization skills.
• Good collaboration and team 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; a criminal background review and credit history evaluation are also required, along with restrictions on working as a real estate agent.

Nice To Haves

• Experience in financial services is an asset.
• Canada only: Registration to sell investment products completed, as appropriate for the jurisdiction.

Responsibilities

• Engage existing customers and prospects proactively through needs-based assessments to build loyalty and identify current and future opportunities.
• Recommend tailored financial solutions for customer sales and service needs, including everyday banking, retail investments, lending, home financing, and small business solutions.
• Explain digital and self-service banking options to help customers bank easily, simply, and quickly.
• Support customer transactions based on customer traffic.
• Reach out to customers, generate appointments, and build new relationships in the community.
• Address questions and resolve issues arising from consumer credit audits and quality checks, ensuring accurate data entry and lending recommendations.
• Apply the risk management framework to lending portfolios and protect Bank assets while maintaining portfolio quality.
• Make credit recommendations for personal lending transactions, including home financing, according to sound credit principles and Bank policies and procedures.
• Collaborate as a member of a branch and market team and contribute to business results and customer experience.
• Integrate relevant marketing promotions and programs into conversations after understanding customers’ personal banking and credit card needs.
• Organize work information for accuracy and completeness, and seek creative ways to personalize and improve customer experiences.
• Follow risk and compliance 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, and personal banking products, practices, and trends.
• Identify and report suspicious activity patterns suspected to be related to money laundering.
• Complete complex and diverse tasks within established rules and limits, handle escalations when needed, analyze issues, and determine next steps.
• Take measured, risk-informed actions aligned with business strategy, approved risk appetite, 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