Retail Relationship Banker

Bank of Montreal•HB Dublin, CA

3d•Onsite

About The Position

The Retail Relationship Banker delivers service and financial guidance to BMO customers and prospects, identifying their needs and recommending solutions that support their banking, investment, lending, home-financing, and small-business needs. The role builds customer loyalty and new relationships through needs assessments, tailored recommendations, appointments, community engagement, and guidance on digital and self-service banking options. It also supports customer transactions according to branch traffic and contributes to the branch and market team's sales, service, and business objectives. The position makes personal lending credit recommendations, supports accurate lending applications, and applies risk-management practices to protect the Bank's assets and maintain lending portfolio quality. It follows legal, regulatory, privacy, compliance, and ethical requirements, including identifying and reporting suspicious activity. The banker may work at multiple branches or through different channels, and the weekly schedule may vary in days, hours, and shifts. The role may involve complex tasks and escalations, and additional responsibilities may be assigned as needed.

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.
Consultative customer service or sales experience and a drive to deliver 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.
Ability to listen, solve problems, and respond flexibly and creatively to new challenges.
Ability to thrive in a consultative sales and team-based environment and take initiative when approaching customers.
Readiness to collaborate and work in different capacities as part of a team.
Good verbal and written communication skills.
Good organization skills.
Good collaboration and teamwork skills.
Good analytical and problem-solving skills.
For Canada roles, registration to sell investment products completed, as appropriate for the jurisdiction.
For U.S. roles, Federal registration with the Nationwide Mortgage Licensing System and Registry is required; the Bank will provide instructions on registration requirements.
For U.S. roles, 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.

Responsibilities

Deliver exceptional service and needs-based advice to customers and prospects about appropriate financial solutions.
Proactively engage existing customers and prospects, conduct needs assessments, and identify immediate and future opportunities.
Recommend tailored solutions for everyday banking, retail investments, personal lending, home financing, and small-business needs.
Explain digital and self-service banking options to help customers bank easily, simply, and quickly.
Support customer transactions based on customer traffic.
Generate appointments and build new customer relationships in the community.
Resolve questions and issues identified through consumer credit audits and quality checks, ensuring accurate data entry and lending recommendations.
Apply the risk management framework to lending portfolios and make personal lending credit recommendations in accordance with Bank policies and sound credit principles.
Collaborate with branch and market teams and contribute to business results and the customer experience.
Integrate relevant marketing promotions and programs into customer conversations.
Organize work information accurately and completely, and find creative ways to personalize and improve the customer experience.
Follow risk, compliance, privacy, and other policies to safeguard customer assets 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 patterns of activity suspected to be related to money laundering.
Analyze issues, determine next steps, and handle complex tasks or escalations within applicable rules and limits.
Take measured, risk-informed decisions aligned with business strategy, approved risk appetite, applicable policies, and laws.