De Novo Retail Relationship Banker

BMO • San Francisco, CA

9d • $50,000 - $100,000

About The Position

This Retail Relationship Banker requisition supports BMO’s DeNovo branch expansion. The role helps launch new locations, shape team culture, and grow client relationships through business development, community engagement, and networking. The banker delivers exceptional service to customers and prospects, assesses their needs, and recommends financial solutions in their best interests. Working with branch colleagues and BMO partners across channels, the banker contributes to customer experience and business objectives.

The position involves advising customers on everyday banking, retail investments, lending, home financing, and small-business solutions; supporting transactions; making personal lending credit recommendations; and helping customers use digital and self-service banking. It also includes building new relationships, generating appointments, managing lending and compliance risks, maintaining accurate information, and contributing to a collaborative branch and market team. The role may involve working at multiple branches or across channels, with a schedule that can vary by week.

Candidates typically have two to three years of relevant experience and a post-secondary degree in a related field, or an equivalent combination of education and experience. Relevant lending qualifications are required. Investment-product registration is required in Canada where appropriate. For U.S. roles, the position requires federal registration with the Nationwide Mortgage Licensing System and Registry, along with a criminal background review and credit history evaluation. Compensation is listed at $50,000–$100,000, with pay varying according to factors including location, skills, experience, education, and qualifications; commission or other incentives may apply. BMO offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans. The company also describes training, coaching, manager support, and networking opportunities.

Requirements

• Typically two to three 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 a consultative customer-service or sales role and commitment to delivering a personal customer experience.
• Ability to thrive in a consultative sales and team-based environment and focus on results.
• Confidence and resourcefulness in 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, and adaptable, creative responses to new challenges.
• Good verbal and written communication skills.
• Good organizational skills.
• Good collaboration and teamwork skills.
• Good analytical and problem-solving skills.
• Confidence and experience using social media, tablets, smartphones, online tools, and applications.
• For Canada, registration to sell investment products, as appropriate for the jurisdiction.
• For U.S. positions, federal registration with the Nationwide Mortgage Licensing System and Registry; 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

• Deliver exceptional service and provide advice on financial solutions aligned with customers’ needs and interests.
• Proactively engage existing customers and prospects through needs-based assessments to strengthen loyalty and identify opportunities.
• Recommend tailored banking, investment, lending, home-financing, and small-business solutions.
• Explain digital and self-service options to make banking easier, simpler, and faster.
• Support customer transactions according to branch traffic.
• Reach out to prospective customers, generate appointments, and build community relationships and new business.
• Address issues raised through consumer credit audits and quality checks, ensuring accurate data and compliant lending recommendations.
• Apply risk-management practices to protect bank assets and maintain lending-portfolio quality.
• Make credit recommendations for personal lending, including home financing, consistent with credit principles and bank policies.
• Collaborate as a member of the branch and market team, contributing to business results and customer experience.
• Identify customer banking and credit-card needs and incorporate relevant promotions into conversations.
• Maintain accurate and complete work information and seek creative ways to personalize and improve customer experiences.
• Follow risk, compliance, privacy, and customer-protection policies; remain current on financial-services, legal, regulatory, and product developments.
• Identify and report suspicious activity potentially related to money laundering.
• Complete complex tasks within established rules and limits, handle escalations as needed, analyze issues, and determine next steps.
• Work at multiple branches or through different channels according to market needs; workdays, hours, and shifts may vary.
• For U.S. positions, complete required federal NMLS registration and comply with applicable restrictions on acting as a real estate agent.

Benefits

• Health insurance
• Tuition reimbursement
• Accident and life insurance
• Retirement savings plans
• Training and coaching
• Manager support
• Network-building opportunities
• Performance-based incentives, discretionary bonuses, and other perks and rewards may be included depending on pay type.

What This Job Offers

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