Retail Relationship Banker

BMO•Santa Clarita, CA

9d•$43,000 - $75,000

About The Position

Delivers exceptional service to BMO customers and prospects by identifying customer needs and providing advice and guidance on financial solutions that are in customers’ best interests. Works collaboratively within the branch and with BMO partners across channels to deliver the desired customer experience and achieve business objectives. Proactively engages existing customers and prospects through needs-based assessments, tailored recommendations, outreach, appointments, and relationship-building in the community. Supports customer transactions according to customer traffic and advises clients on digital and self-service options. The role recommends solutions across everyday banking, retail investments, lending, home financing, and small business banking. It makes personal lending credit recommendations, manages lending risk, and addresses questions raised through credit audits and quality checks. The position applies BMO’s risk management framework, follows legal and regulatory requirements, protects customer privacy and bank assets, and identifies suspicious activity that may relate to money laundering. Work may take place at multiple branches or through different channels according to market needs; schedules may vary from week to week in days, hours, and shifts. The role requires current knowledge of personal banking products and trends, the financial services marketplace, and applicable legal and regulatory requirements. It contributes to business results and ongoing improvements to the customer experience, completes complex and diverse tasks within established rules and limits, and may handle escalations from other employees. Broader work or accountabilities may be assigned as needed. BMO describes a shared purpose of creating positive change for customers, communities, and employees. It offers training, coaching, manager support, and networking opportunities. The employer states that it is an equal employment opportunity employer and will provide reasonable accommodations to individuals with disabilities.

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.
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, with a drive to deliver a personal customer experience.
Confident and experienced use of social media, tablets, smartphones, online tools, and applications.
Passionate 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 initiative, with confidence to approach 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.
Canada only: Registration to sell investment products completed, as appropriate for the jurisdiction.
U.S. only: Federal registration with the Nationwide Mortgage Licensing System and Registry is required for this consumer-loan originator position; 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.
Specialized knowledge.

Responsibilities

Proactively engage existing customers and prospects through needs-based assessments to grow loyalty and identify current and future opportunities.
Recommend tailored financial solutions that address customers’ banking, investment, lending, home-financing, and small-business needs.
Advise customers on digital and self-service options to make banking easier, simpler, and faster.
Support customer transactions based on customer traffic.
Reach out to customers and prospects, generate appointments, and build relationships in the community to grow BMO’s business.
Address questions and resolve issues raised through consumer credit audits and quality checks, ensuring accurate data entry and lending recommendations comply with legal, regulatory, and lending requirements.
Apply the risk management framework to lending portfolios and make personal lending credit recommendations in line with sound credit principles and bank policies.
Collaborate as a member of a versatile branch and market team.
Understand personal banking and credit-card needs and incorporate marketing promotions and programs into customer conversations.
Organize work information to ensure accuracy and completeness.
Find creative ways to make customer experiences personal and contribute to improving the overall customer experience.
Follow risk and compliance policies and processes to safeguard customer assets, protect privacy, and act in customers’ best interests.
Maintain knowledge of the financial services marketplace, relevant legal and regulatory requirements, and personal banking products, practices, and trends.
Identify and report suspicious activity patterns that may be related to money laundering.
Protect bank assets and comply with applicable regulatory, legal, and ethical requirements.
Complete complex and diverse tasks within established rules and limits, including possible escalations from other employees.
Analyze issues and determine next steps.
Make sound, risk-informed decisions aligned with business strategy, BMO’s Risk Management Framework and Risk Appetite, and applicable policies and laws.