Retail Relationship Banker

Bank of Montreal•Monterey Park, CA

18d

About The Position

Delivers exceptional service to BMO customers and prospects by identifying their needs and offering advice and guidance on financial solutions in their best interests. Works collaboratively within the branch and with BMO partners across channels to provide a strong customer experience and meet business objectives. Proactively engages customers and prospects through needs-based assessments, tailored recommendations, relationship building, and community outreach. Supports customer transactions, explains digital and self-service options, and addresses customer questions and issues. The role recommends personal lending solutions, including home financing, in accordance with credit principles and bank policies. It applies risk-management practices to protect bank assets and maintain lending-portfolio quality, while following legal, regulatory, privacy, and compliance requirements. The banker stays informed about personal banking products, retail investments, lending, market conditions, and regulatory developments, and reports suspicious activity that may relate to money laundering. Work may be performed at multiple branches or through different channels, and schedules may vary from week to week according to market needs. Other duties may be assigned.

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.
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 financial services is an asset.
Experience in a consultative customer-service or sales role, with a focus on delivering a personal customer experience.
Confidence and experience using social media, tablets, smartphones, online tools, and applications.
Strong interpersonal skills and ability to build rapport and connections with customers.
Listening, problem-solving, and ability to respond flexibly and creatively to new challenges.
Good verbal and written communication, organization, collaboration and teamwork, analytical, and problem-solving skills.
Ability to work collaboratively in different team capacities and thrive in a consultative, results-focused sales environment.
For Canada, registration to sell investment products must be completed as appropriate for the jurisdiction.
For U.S. positions, the role requires federal registration with the Nationwide Mortgage Licensing System and Registry; a criminal background review and credit history evaluation are also required, and restrictions apply to performing in a real-estate-agent capacity.

Nice To Haves

Post-secondary degree in a related field of study.
Experience in financial services.

Responsibilities

Engage existing customers and prospects, conduct needs assessments, and recommend tailored banking, investment, lending, home-financing, and small-business solutions.
Support customer transactions and advise customers on digital and self-service banking options.
Reach out to customers, generate appointments, and build relationships within the community to grow the business.
Make credit recommendations for personal lending transactions, including home financing, consistent with sound credit principles and bank policies.
Address questions and resolve issues arising from consumer credit audits and quality checks; ensure accurate data entry and lending recommendations.
Apply risk-management practices and lending guidelines to protect bank assets and maintain portfolio quality.
Follow risk, compliance, privacy, legal, regulatory, and ethical requirements; identify and report suspicious activity potentially related to money laundering.
Collaborate with branch and market teams and contribute to business results and improvements in the customer experience.
Maintain current knowledge of personal banking products, practices, trends, and the financial-services and regulatory environment.
Organize work information to ensure accuracy and completeness and handle complex tasks or escalations as needed.