Retail Relationship Banker

Bank of Montreal•Yorba Linda, CA

About The Position

The Retail Relationship Banker delivers exceptional service to BMO customers and prospects by identifying needs and providing guidance on financial solutions in customers’ best interests. Working collaboratively within the branch and through other channels, the banker provides 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 supports customer transactions and builds relationships by proactively reaching out, generating appointments, and engaging with the community. The banker contributes to branch and market results while managing risk and complying with applicable policies, laws, and regulations. Responsibilities include making personal-lending credit recommendations, addressing audit and quality-check issues, protecting customer assets and privacy, identifying suspicious activity that may involve money laundering, and maintaining current knowledge of banking products and the financial-services environment. The role may involve working across multiple branches or channels, with a schedule that can vary from week to week in days, hours, and shifts.

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.
For Canada: investment-product sales registration 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.
Confident and experienced use of social media, tablets, smartphones, online tools, and applications.
Experience in a consultative customer-service or sales role and motivation to deliver a personal customer experience.
Commitment to helping customers, with a focus on results in a consultative sales and team-based environment.
Resourcefulness and initiative, with confidence to approach 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, and flexibility to respond creatively 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.: Federal registration with the Nationwide Mortgage Licensing System and Registry is required for this consumer-loan originator role; the Bank will provide instructions on registration requirements.
For the U.S.: 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.

Responsibilities

Deliver exceptional service and provide needs-based assessments and advice to customers and prospects.
Recommend tailored solutions for everyday banking, retail investments, lending, home financing, and small-business needs.
Explain digital and self-service banking options to help customers bank easily, simply, and quickly.
Support customer transactions based on branch traffic.
Proactively engage with customers and prospects, generate appointments, and build relationships in the community.
Address questions and resolve issues arising from consumer credit audits and quality checks; ensure accurate data entry and compliant lending recommendations.
Apply the risk management framework to protect bank assets and maintain lending portfolio quality.
Make personal-lending credit recommendations, including for home financing, in accordance with credit principles and bank policies.
Collaborate with branch and market teams and contribute to business results and customer experience improvements.
Integrate marketing promotions and programs into customer conversations and provide strategic advice.
Organize work information for accuracy and completeness; analyze issues and determine next steps, including escalations when applicable.
Follow risk and compliance policies, protect customer assets and privacy, and act in customers’ best interests.
Keep current on the financial-services marketplace, regulatory environment, and personal banking products, practices, and trends.
Identify and report suspicious activity patterns potentially related to money laundering.
Comply with legal, regulatory, and ethical requirements and safeguard the Bank’s assets.
Take measured, risk-informed decisions aligned with business strategy, risk appetite, and applicable policies and laws.