Retail Relationship Banker

BMO • Monterey Park, CA

19d • $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 proactively engages existing and prospective customers, completes needs assessments, and provides tailored advice on everyday banking, investments, lending, home financing, and small business solutions. It also helps customers use digital and self-service banking options and supports transactions according to branch traffic.

The banker develops business by generating appointments and building community relationships, contributes to a collaborative branch and market team, and helps improve the customer experience. Responsibilities include making personal lending credit recommendations, applying risk-management practices, addressing issues raised through credit audits and quality checks, and following lending, legal, regulatory, privacy, and compliance requirements. The role may involve working at multiple branches or through different channels, with a schedule that can vary by week.

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.
• For Canada: registration to sell investment products completed, as appropriate for the jurisdiction.
• 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.
• Confident and experienced use of social media, tablets, smartphones, online tools, and applications.
• 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 confidence in approaching customers.
• Readiness to collaborate and work in different capacities as part of a team.
• Strong interpersonal skills and ability to build rapport and connections with customers.
• 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.
• For the U.S. position: Federal registration with the Nationwide Mortgage Licensing System and Registry is required. A criminal background review and credit history evaluation will also be required, and restrictions apply to performing in a real estate agent capacity.

Nice To Haves

• Experience in financial services is an asset.

Responsibilities

• Proactively engage existing customers and prospects through needs-based assessments to grow loyalty and identify immediate and future opportunities.
• Recommend tailored financial solutions for banking, investments, lending, home financing, and small business needs.
• Advise customers on digital and self-service banking options.
• Support customer transactions according to customer traffic.
• Generate appointments and build new customer relationships within the community.
• Address questions and resolve issues raised through consumer credit audits and quality checks.
• Apply risk-management practices to protect bank assets and maintain the quality of the lending portfolio.
• Make credit recommendations for personal lending transactions, including home financing, in accordance with credit principles and bank policies.
• Collaborate as a member of the branch and market team.
• Integrate relevant marketing promotions and programs into customer conversations.
• Organize work information to ensure accuracy and completeness.
• Contribute to improvements in the customer experience and business results.
• Follow risk and compliance processes and policies to safeguard customer assets and privacy and act in customers' best interests.
• Maintain current knowledge of financial services, legal and regulatory requirements, 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, including handling escalations from other employees.
• Analyze issues and determine next steps.
• Make sound, risk-informed decisions consistent with the Risk Management Framework, approved Risk Appetite, applicable 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, perks, and rewards.

What This Job Offers

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