Retail Relationship Banker

BMO • Vallejo, CA

1d • $50,000 - $100,000

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 that are in their best interests. Working collaboratively across the branch and through various channels, the banker supports customer experience and business objectives through needs-based assessments, tailored recommendations, relationship development, and transaction support. The role covers everyday banking, retail investments, lending, home financing, and small business solutions, and guides customers toward digital and self-service options when appropriate.

The banker contributes to lending and portfolio quality by making personal lending credit recommendations in line with sound credit principles and bank policies, addressing audit and quality-check issues, and applying risk management and compliance requirements. The role may involve work at multiple branches or through different channels, and the schedule may vary from week to week in days, hours, and shifts. Additional responsibilities may be assigned as needed.

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 commitment to delivering a personal customer experience.
• Confident and experienced use of social media, tablets, smartphones, online tools, and applications.
• Passion for helping customers and 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, including the ability to build rapport and connections with customers.
• Listening, problem-solving, and adaptability skills, including the ability to respond creatively to new challenges.
• Good verbal and written communication skills.
• Good organization skills.
• Good collaboration and team skills.
• Good analytical and problem-solving skills.
• For Canada, completion of registration to sell investment products, as appropriate for the jurisdiction.
• For the U.S., Federal registration with the Nationwide Mortgage Licensing System and Registry is required; a criminal background review and credit history evaluation are also required, along with restrictions on 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, conduct needs-based assessments, and identify immediate and future opportunities.
• Recommend tailored financial solutions for customers’ sales and service needs, including everyday banking, investments, lending, home financing, and small business solutions.
• Explain available digital and self-service options to help customers bank easily, simply, and quickly.
• Support customer transactions according to customer traffic.
• Reach out to customers, generate appointments, and build new relationships in the community.
• Address questions and resolve issues arising from consumer credit audits and quality checks, ensuring accurate data entry and lending recommendations that comply with requirements.
• Apply the risk management framework to the lending portfolio and protect the Bank’s assets and portfolio quality.
• 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 the branch and market team and contribute to business results and customer experience.
• Discuss 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 make customer experiences personal and contribute to ongoing customer-experience improvements.
• Follow risk and compliance processes and policies to safeguard customer assets and privacy and act in customers’ best interests.
• Keep current with financial services, 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 the Bank’s 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.
• Make sound, risk-informed decisions aligned with business strategy, the Risk Management Framework, approved Risk Appetite, policies, and applicable laws and regulations.

Benefits

• Health insurance
• Tuition reimbursement
• Accident and life insurance
• Retirement savings plans
• The total compensation package may include performance-based incentives, discretionary bonuses, perks, and rewards.
• Training and coaching, manager support, and network-building opportunities.

What This Job Offers

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