Retail Relationship Banker - Modesto (Pelandale Ave), CA

BMO • Modesto, CA

12d • $43,000 - $75,000 • Onsite

About The Position

The Retail Relationship Banker delivers exceptional service to BMO customers and prospects by identifying their needs and providing guidance on financial solutions in their best interests. The role works collaboratively within the branch and with BMO partners across channels to create a strong customer experience and achieve business objectives. The banker engages customers and prospects through needs-based assessments, recommends tailored banking, investment, lending, home-financing, and small-business solutions, and helps customers use digital and self-service options. The role also supports transactions, builds community relationships, generates appointments, and contributes to branch and market results.

The position makes personal-lending credit recommendations, applies risk-management practices to protect the Bank and maintain portfolio quality, and follows legal, regulatory, lending, risk, and privacy requirements. It monitors for suspicious activity, maintains knowledge of financial products and marketplace developments, and contributes to continuous improvement of the customer experience. Work may occur at multiple branches or through different channels according to market needs; schedules may vary by week in days, hours, and shifts.

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 investments and lending products.
• Experience in a consultative customer-service or sales role and a commitment to delivering a personal customer experience.
• Confidence and experience using social media, tablets, smartphones, online tools, and applications.
• Passion for helping customers and a focus on results in a consultative, team-based environment.
• Resourcefulness and initiative, including confidence approaching customers.
• Ability 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, flexibility, and creativity when responding 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. roles, federal registration with the Nationwide Mortgage Licensing System and Registry is required for originating consumer loans; a criminal background review, credit history evaluation, and restrictions on working as a real estate agent also apply.

Nice To Haves

• A post-secondary degree in a related field of study is desirable.
• Experience in financial services is an asset.
• For Canada roles, completion of registration to sell investment products, as appropriate for the jurisdiction.

Responsibilities

• Proactively engage existing customers and prospects with needs-based assessments to build loyalty and identify current and future opportunities.
• Recommend financial solutions tailored to customers’ banking and service needs, including everyday banking, retail investments, lending, home financing, and small-business solutions.
• Advise customers on digital and self-service options.
• Support customer transactions based on branch traffic.
• Reach out to customers, generate appointments, and build relationships in the community.
• Address questions and resolve issues identified through 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.
• 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 and contribute to business results and customer experience.
• Understand customers’ personal banking and credit-card needs and incorporate relevant marketing promotions into conversations.
• Organize work information for accuracy and completeness; find creative ways to personalize customer experiences and improve them.
• Follow risk and compliance processes, protect customer assets and privacy, and act in customers’ best interests.
• Maintain current knowledge of financial-services markets, regulations, personal-banking products, practices, and trends.
• Identify and report suspicious activity potentially related to money laundering.
• Protect Bank assets and comply with applicable legal, regulatory, and ethical requirements.
• Complete complex and diverse tasks within established limits, handle escalations when needed, and analyze issues to determine next steps.
• Take measured, risk-informed decisions aligned with business strategy, the Risk Management Framework, approved Risk Appetite, policies, laws, and regulations.

Benefits

• Health insurance
• Tuition reimbursement
• Accident insurance
• Life insurance
• Retirement savings plans
• Performance-based incentives, discretionary bonuses, and other perks and rewards may be included depending on the position's pay type.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: Associate degree