Retail Relationship Banker

BMO • Tustin, CA

23d • $50,000 - $100,000

About The Position

The Retail Relationship Banker delivers exceptional service to BMO customers and prospects by identifying their needs and recommending financial solutions in their best interests. The role works collaboratively with branch colleagues and BMO partners across channels to provide a strong customer experience and achieve business objectives. It proactively engages customers and prospects, completes needs assessments, recommends tailored banking, investment, lending, home-financing, and small-business solutions, and helps customers use digital and self-service options. The banker also supports transactions, builds community relationships, generates appointments, and contributes to branch and market results.

The position includes making personal-lending credit recommendations, including for home financing, and managing lending-related risks in line with sound credit principles, bank policies, and applicable regulations. The banker protects customer privacy and bank assets, follows risk and compliance processes, identifies suspicious activity, and maintains current knowledge of financial products, market developments, and regulatory requirements. Work may take place at multiple branches or through different channels, and the schedule may vary from week to week by days, hours, and shifts. Additional work or accountabilities 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.
• Confidence and experience using social media, tablets, smartphones, online tools, and applications.
• Experience in a consultative customer service or sales role and a drive to provide 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.
• Resourcefulness and initiative, with confidence 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 customer connections.
• Listening, problem-solving, and flexible, creative responses to new challenges.
• Good verbal and written communication skills.
• Good organization skills.
• Good collaboration and teamwork skills.
• Good analytical and problem-solving skills.
• Canada only: Registration to sell investment products, as appropriate for the jurisdiction.
• U.S. only: Federal registration with the Nationwide Mortgage Licensing System and Registry is required for the consumer-loan originator duties; a criminal background review and credit-history evaluation are also required, and restrictions apply to working as a real estate agent.

Nice To Haves

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

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.
• Advise customers on digital and self-service banking options.
• Support customer transaction needs based on branch traffic.
• Reach out to customers, generate appointments, and build relationships in the community.
• Address issues raised through consumer credit audits and quality checks, ensuring accurate data entry and lending recommendations that comply with requirements.
• Apply risk-management practices to lending portfolios and protect bank assets while maintaining portfolio quality.
• Make personal-lending credit recommendations, including home-financing recommendations, in accordance with credit principles and bank policies.
• Collaborate as a member of the branch and market team and contribute to business results and customer experience.
• Integrate relevant marketing promotions and programs into conversations about customers’ personal banking and credit-card needs.
• Organize work information to ensure accuracy and completeness.
• Find creative ways to make customer experiences personal and contribute to improving the overall experience.
• Follow risk and compliance policies to safeguard customer assets, protect privacy, and act in customers’ best interests.
• Keep current with financial services, legal and regulatory developments, and personal banking products, practices, and trends.
• Identify and report suspicious activity patterns that may be related to money laundering.
• Comply with applicable legal, regulatory, and ethical requirements and protect the bank’s assets.
• Analyze issues, determine next steps, complete complex tasks within established limits, and potentially handle escalations from other employees.
• Take measured, risk-informed actions consistent with the Risk Management Framework, Risk Culture, Risk Appetite, business strategy, policies, and laws.

Benefits

• Health insurance
• Tuition reimbursement
• Accident and life insurance
• Retirement savings plans
• In-depth training and coaching
• Manager support
• Network-building opportunities
• Performance-based incentives, discretionary bonuses, and other perks and rewards may be included depending on the position's pay type.

What This Job Offers

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