Retail Relationship Banker

BMO • Lafayette, CA

19h • $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 builds customer loyalty and relationships through needs-based assessments, tailored advice, outreach, and collaboration with branch and market colleagues across in-person and other channels. Solutions may include everyday banking, retail investments, personal lending, home financing, and small-business banking. The banker also guides customers toward digital and self-service options and supports transaction needs based on branch traffic.

The position contributes to business results while safeguarding customer and Bank assets. It applies lending and risk-management requirements, makes personal lending credit recommendations, supports accurate applications and audit responses, follows legal and regulatory requirements, protects customer privacy, and reports suspicious activity. The banker keeps current on financial services, products, practices, and trends, and may handle complex tasks or escalations within established guidelines. Work may take place at multiple branches or through different channels, and schedules may vary by week in days, hours, and shifts.

BMO describes a compensation and rewards package that may include performance-based incentives, discretionary bonuses, health insurance, tuition reimbursement, accident and life insurance, retirement savings plans, and other perks and rewards. Training, coaching, manager support, and network-building opportunities are also described.

Requirements

• Typically 2–3 years of relevant experience and a post-secondary degree in a related field are 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.
• Passionate commitment to helping customers and a focus on results in a consultative sales and team-based environment.
• Resourceful self-starter with the confidence to approach customers.
• Readiness 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.
• 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. positions: Federal registration with the Nationwide Mortgage Licensing System and Registry is required for consumer loan origination; a criminal background review and credit history evaluation are required, and restrictions apply to performing in a real estate agent capacity.

Nice To Haves

• Post-secondary degree in a related field of study.
• Experience in financial services is an asset.
• Canada only: Registration to sell investment products completed, as appropriate for the jurisdiction.

Responsibilities

• Proactively engage existing customers and prospects, conduct needs-based assessments, and identify immediate and future opportunities.
• Recommend tailored financial solutions addressing customer sales and service needs, including everyday banking, retail investments, lending, home financing, and small-business solutions.
• Advise customers on digital and self-service options and support transactions according to customer traffic.
• Reach out to customers, generate appointments, and build new relationships in the community.
• Address questions and resolve issues raised through consumer credit audits and quality checks, ensuring accurate data entry and compliant lending recommendations.
• Apply the risk management framework to lending portfolios and make personal lending credit recommendations in accordance with sound credit principles and Bank policies.
• Collaborate as a member of the branch and market team and contribute to business results and customer experience improvements.
• Discuss personal banking and credit card needs and integrate marketing promotions and programs into customer conversations.
• Organize work information for accuracy and completeness, and find creative ways to personalize customer experiences.
• Follow risk, compliance, privacy, and asset-protection policies; keep current with financial services and relevant legal and regulatory requirements.
• Identify and report suspicious activity patterns suspected to be related to money laundering.
• Analyze issues, determine next steps, and complete complex or diverse tasks within established rules and limits, including possible escalations from other employees.
• Take measured, risk-informed actions within the Bank’s Risk Appetite and applicable policies, laws, and regulations.
• Perform broader work or accountabilities as assigned.

Benefits

• Health insurance
• Tuition reimbursement
• Accident and life insurance
• Retirement savings plans
• Performance-based incentives and discretionary bonuses may be included, depending on pay type.
• Other perks and rewards may be included.
• 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