Retail Relationship Banker

BMO • Torrance, CA

10d • $50,000 - $100,000

About The Position

Delivers exceptional service to BMO customers and prospects by identifying customer needs and offering advice and guidance on financial solutions in their best interests. Works collaboratively within the branch and through other channels with BMO partners to provide a positive customer experience and achieve business objectives. Proactively engages customers and prospects through needs-based assessments, tailored recommendations, relationship building, outreach, and appointments. Supports customer transactions as needed and helps customers use digital and self-service options. The role includes recommendations for personal lending and home financing, safeguarding the lending portfolio, and ensuring accurate, compliant lending processes. It also requires managing risk, protecting customer privacy and the Bank’s assets, recognizing suspicious activity, and keeping current with financial products, marketplace developments, and legal and regulatory requirements.

The position may involve work at multiple branches or through various channels according to market needs. The schedule may vary from week to week in days, hours, and shifts. Work may include complex and diverse tasks within established rules and limits, handling escalations, analyzing issues, and determining next steps. Broader responsibilities may be assigned as needed.

Requirements

• Typically 2–3 years of relevant experience.
• Post-secondary degree in a related field is desirable, or an equivalent combination of education and experience.
• Canada only: Complete registration to sell investment products, 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.
• Confident and experienced use of social media, tablets, smartphones, online tools, and applications.
• Experience in a consultative customer service or sales role, with a drive to deliver a personal customer experience.
• Commitment to helping customers and delivering a personal customer experience.
• Results focus and ability to thrive 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 ability to build rapport and connections with customers.
• Listening, problem-solving, and flexible, creative responses to new challenges.
• Specialized knowledge.
• Good verbal and written communication skills.
• Good organization skills.
• Good collaboration and teamwork skills.
• Good analytical and problem-solving skills.
• U.S. only: Federal registration with the Nationwide Mortgage Licensing System and Registry is required for the role’s consumer loan origination activity; the Bank will provide instructions on registration requirements. 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.
• A post-secondary degree in a related field of study is desirable.

Responsibilities

• Proactively engage existing customers and prospects through needs-based assessments to grow loyalty and identify current and future opportunities.
• Recommend tailored financial solutions for everyday banking, retail investments, lending, home financing, and small business needs.
• Explain available digital and self-service banking options to help customers bank easily, simply, and quickly.
• Support customer transactions based on branch traffic.
• Reach out to customers, generate appointments, and build new community relationships to grow the business.
• Address questions and resolve issues arising from consumer credit audits and quality checks, ensuring accurate data entry and compliant lending recommendations.
• Apply the risk management framework to protect Bank assets and maintain lending portfolio quality in accordance with requirements and risk guidelines.
• Make credit recommendations for personal lending transactions, including home financing, in accordance with credit principles and Bank policies and procedures.
• Collaborate as a member of a versatile branch and market team.
• Understand customers’ personal banking and credit card needs and incorporate relevant marketing promotions and programs into conversations.
• Organize work information to ensure accuracy and completeness.
• Find creative ways to personalize customer experiences and contribute to ongoing improvements in customer experience.
• Contribute to business results and the overall customer experience.
• Follow risk and compliance processes and policies to safeguard customer assets, maintain privacy, and act in customers’ best interests.
• Keep current with the financial services marketplace, legal and regulatory environment, and applicable ethical requirements.
• Maintain current knowledge of personal banking products, practices, and trends and incorporate that knowledge into customer conversations.
• Identify and report suspicious activity patterns suspected to be related to money laundering.
• Comply with jurisdictional legal and regulatory requirements and protect Bank assets in accordance with regulatory, legal, and ethical requirements.
• Complete complex and diverse tasks within established rules and limits, including handling escalations from other employees as needed.
• Analyze issues and determine next steps.
• Take measured, risk-informed decisions in line with business strategy, the Risk Management Framework, Risk Culture, approved Risk Appetite, applicable policies, laws, and regulations.

Benefits

• Health insurance
• Tuition reimbursement
• Accident and life insurance
• Retirement savings plans
• May include performance-based incentives, discretionary bonuses, perks, and rewards, depending on pay type.

What This Job Offers

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