Retail Relationship Banker

Bank of Montreal • Oakland, CA

3d

About The Position

The Retail Relationship Banker delivers exceptional service to BMO customers and prospects, identifies their needs, and provides guidance on financial solutions in their best interests. Working collaboratively with branch colleagues and BMO partners across channels, the banker builds customer loyalty, identifies opportunities, and supports branch and business objectives. The role conducts needs-based assessments and recommends tailored solutions for everyday banking, retail investments, lending, home financing, and small business needs. It also helps customers use digital and self-service banking options and supports transactions based on customer traffic.

The banker develops relationships in the community by reaching out, generating appointments, and engaging with existing and prospective customers. The role makes personal lending credit recommendations, including for home financing, and applies risk-management practices to protect the Bank’s assets and maintain lending portfolio quality. It follows applicable legal, regulatory, lending, risk, and compliance requirements; addresses audit and quality-check issues; and reports suspicious activity that may be related to money laundering.

The position contributes to a collaborative branch and market team, maintains current knowledge of banking products and the financial services environment, and looks for ways to improve the customer experience. Work may take place at multiple branches or through different channels based on market needs. Schedules may vary from week to week in days, hours, and shifts. Broader tasks may be assigned as needed, and the role may handle escalations from other employees.

In the U.S., the position originates consumer loans subject to applicable regulations and requires federal registration with the Nationwide Mortgage Licensing System and Registry. A criminal background review and credit history evaluation are required, and restrictions apply to performing in a real estate agent capacity.

Requirements

• Typically 2–3 years of relevant experience.
• A post-secondary degree in a related field is desirable, or an equivalent combination of education and experience.
• 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 drive to provide a personal customer experience.
• Confidence and experience using social media, tablets, smartphones, online tools, and applications.
• Strong interpersonal skills and the ability to build rapport and connections with customers.
• Ability to listen, solve problems, and respond flexibly and creatively to new challenges.
• Ability to collaborate and work in different capacities as part of a team.
• Self-starter with resourcefulness and confidence approaching customers.
• Results focus and ability to thrive in a consultative sales and team-based environment.
• 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, as appropriate for the jurisdiction, and appropriate lending qualifications and designations.
• For the U.S.: Federal registration with the Nationwide Mortgage Licensing System and Registry is required; 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.
• Specialized knowledge.

Responsibilities

• Deliver service and financial guidance to customers and prospects based on their needs and best interests.
• Conduct needs assessments and recommend tailored banking, investment, lending, home-financing, and small-business solutions.
• Explain digital and self-service banking options to help customers bank easily and efficiently.
• Support customer transactions according to branch traffic.
• Proactively reach out to customers and prospects, generate appointments, and build community relationships.
• Make personal lending credit recommendations, including home-financing recommendations, in accordance with sound credit principles and Bank policies.
• Apply risk-management practices to protect Bank assets and maintain the quality of the lending portfolio.
• Address questions and resolve issues arising from consumer credit audits and quality checks, ensuring accurate information and compliant recommendations.
• Follow risk, compliance, privacy, lending, legal, regulatory, and ethical requirements; identify and report suspicious activity potentially related to money laundering.
• Integrate relevant marketing promotions and programs into customer conversations.
• Collaborate with branch and market colleagues and contribute to business results and customer experience improvements.
• Maintain knowledge of banking products, practices, trends, and the financial services marketplace.
• Organize work information to ensure accuracy and completeness, analyze issues, and determine next steps.
• Complete other assigned work and, where applicable, handle escalations from other employees.

Benefits

• Health insurance
• Tuition reimbursement
• Accident insurance
• Life insurance
• Retirement savings plans
• Performance-based incentives and discretionary bonuses may be included in total compensation.
• Other perks and rewards may be included in total compensation.
• 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