Retail Relationship Banker

BMO • Huntington Beach, CA

1d • $50,000 - $100,000

About The Position

BMO is hiring a Forward Hire Relationship Banker to support Huntington Beach and surrounding communities. The role focuses on delivering exceptional customer service, building relationships, engaging with the community, identifying client needs, and meeting sales goals. Flexibility to support branches across the market is required.

The banker provides needs-based advice and guidance on personal banking, retail investments, lending, home financing, and small-business solutions. They help customers choose suitable banking channels and digital self-service options, support transaction needs, generate appointments, and build new community relationships. The role also contributes to branch and market objectives through collaboration, customer experience improvements, risk management, and compliance.

The position may involve working at multiple branches or through different channels according to market needs. The work schedule may vary from week to week in days, hours, and shifts. In the U.S., the role originates consumer loans and requires federal registration with the Nationwide Mortgage Licensing System and Registry, as well as a criminal background review and credit history evaluation.

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.
• Experience in financial services is an asset.
• Confidence and experience using social media, tablets, smartphones, online tools, and applications.
• Experience in a consultative customer service or sales role, with a drive to provide a personal customer experience.
• Commitment to helping customers and delivering a personal customer experience.
• Results orientation and ability to thrive in a consultative sales and team-based environment.
• Resourcefulness and initiative, with confidence approaching customers.
• Willingness 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 adaptability skills, including the ability to respond creatively 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.
• For U.S. positions, federal registration with the Nationwide Mortgage Licensing System and Registry is required; the Bank will instruct the employee on registration requirements.
• For U.S. positions, 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.
• A post-secondary degree in a related field of study is desirable.
• For Canada positions, completion of registration to sell investment products, as appropriate for the jurisdiction.

Responsibilities

• Engage existing customers and prospects proactively through needs-based assessments to build loyalty and identify current and future opportunities.
• Recommend tailored banking and financial solutions, including everyday banking, retail investments, lending, home financing, and small-business solutions.
• Explain digital and self-service options to make banking easier, simpler, and faster for customers.
• Support customer transaction needs in response to branch traffic.
• Reach out to customers, generate appointments, and build new relationships within the community.
• Address issues raised through consumer credit audits and quality checks, ensuring accurate data entry and lending recommendations that comply with requirements and policies.
• Apply the risk management framework to protect bank assets and maintain lending portfolio quality in accordance with applicable guidelines.
• Make credit recommendations for personal lending transactions, including home financing, in accordance with credit principles and bank policies.
• Collaborate as a member of branch and market teams to achieve business objectives and deliver a positive customer experience.
• Understand customers’ personal banking and credit card needs and incorporate relevant promotions and programs into customer conversations.
• Organize work information to ensure accuracy and completeness.
• Find creative approaches to personalize customer experiences and contribute to ongoing customer experience improvements.
• Follow risk and compliance processes and policies to safeguard customer assets, protect privacy, and act in customers’ best interests.
• Keep current with the financial services marketplace, legal and regulatory environment, and ethical requirements of the industry.
• Maintain knowledge of personal banking products, practices, and trends and use it in customer conversations.
• Identify and report suspicious activity patterns suspected to relate to money laundering.
• Protect bank assets and comply with applicable legal, regulatory, and ethical requirements.
• Complete complex and diverse tasks within established rules and limits, including handling escalations from other employees.
• Analyze issues and determine appropriate next steps.
• Make sound, risk-informed decisions within the Bank’s Risk Management Framework, Risk Culture, and approved Risk Appetite.

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 and position.

What This Job Offers

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