Retail Relationship Banker

Bank of Montreal•Tustin, CA

21d

About The Position

The Retail Relationship Banker delivers exceptional service to BMO customers and prospects by identifying their needs and providing advice on financial solutions in their best interests. Working collaboratively within the branch and with BMO partners across channels, the banker helps achieve business objectives and provide a positive customer experience. The role proactively engages existing customers and prospects through needs-based assessments, tailored recommendations, outreach, appointment generation, and relationship-building in the community. It covers everyday banking, retail investments, lending and home financing (including business-for-self applications), small business solutions, and digital and self-service banking options. The banker supports customer transactions, makes personal lending credit recommendations, and applies risk management practices to protect bank assets and maintain lending portfolio quality. The role addresses audit and quality-check issues, follows lending policies and legal and regulatory requirements, and safeguards customers’ assets and privacy. It also contributes to the branch and market team, keeps current on products and financial-services requirements, identifies suspicious activity potentially related to money laundering, and handles complex tasks and escalations within applicable rules and limits. The position may involve working at multiple branches or through different channels according to market needs. Work schedules may 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.
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.
Confident and experienced use of social media, tablets, smartphones, online tools, and applications.
Strong interpersonal skills, including the ability to build rapport and connections with customers.
Listening, problem-solving, and flexibility in responding 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 Canada, registration to sell investment products completed, as appropriate for the jurisdiction.
For U.S. positions, federal registration with the Nationwide Mortgage Licensing System and Registry is required; 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

Experience in financial services is an asset.

Responsibilities

Engage customers and prospects, assess their financial needs, and recommend tailored banking, investment, lending, home financing, and small business solutions.
Build customer loyalty and identify immediate and future opportunities through needs-based conversations and relationship-building.
Explain digital and self-service banking options to help customers bank easily, simply, and quickly.
Support customer transactions according to branch traffic.
Reach out to customers and prospects, generate appointments, and build relationships in the community.
Address issues raised through consumer credit audits and quality checks, ensuring accurate data entry and compliant lending recommendations.
Apply the risk management framework to lending portfolios and make personal lending credit recommendations in accordance with sound credit principles and bank policies.
Collaborate with branch and market teams and contribute to business results and continuous improvement of the customer experience.
Integrate relevant marketing promotions and programs into customer conversations.
Organize work information to ensure accuracy and completeness, analyze issues, and determine next steps, including handling escalations as assigned.
Follow risk, compliance, privacy, legal, regulatory, and ethical requirements; identify and report suspicious activity potentially related to money laundering.
Maintain current knowledge of personal banking products, practices, trends, and the financial services marketplace.