Retail Relationship Banker

BMO • Turlock, CA

15d • $43,000 - $75,000

About The Position

The Retail Relationship Banker delivers exceptional service to BMO customers and prospects by identifying their needs and offering guidance on suitable financial solutions. The role builds customer loyalty and relationships through needs-based assessments, tailored recommendations, community outreach, and support for transactions. It advises customers on digital and self-service banking options and addresses both personal and small-business banking needs, including everyday banking, investments, lending, and home financing.

The banker works collaboratively across the branch, market team, and other BMO channels. They follow lending, risk, compliance, privacy, and legal requirements; make personal-lending credit recommendations; and protect the Bank’s assets. Work may take place at multiple branches or through different channels, and the schedule may vary from week to week in days, hours, and shifts.

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.
• Registration to sell investment products, as appropriate for the jurisdiction (Canada only).
• Appropriate lending qualifications and designations.
• Working knowledge of personal and small-business customer needs and solutions.
• Working knowledge of retail investment and lending products.
• Confidence and experience using social media, tablets, smartphones, online tools, and applications.
• Experience in a consultative customer service or sales role.
• Commitment to helping customers and delivering a personal customer experience.
• Results focus and ability to thrive in a consultative sales and team-based environment.
• Resourcefulness and confidence approaching customers.
• Ability to collaborate and work in different capacities as part of a team.
• Strong interpersonal skills and ability to build rapport with customers.
• Listening, problem-solving, and flexible, creative response skills.
• Good verbal and written communication skills.
• Good organization skills.
• Good collaboration and teamwork skills.
• Good analytical and problem-solving skills.
• U.S. only: Federal registration with the Nationwide Mortgage Licensing System and Registry is required for consumer loan origination; 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.
• A post-secondary degree in a related field of study is desirable.

Responsibilities

• Engage existing customers and prospects proactively, conduct needs-based assessments, and identify immediate and future opportunities.
• Recommend tailored solutions for banking, investments, lending, home financing, and small-business needs.
• Explain digital and self-service banking options to help customers bank easily and efficiently.
• Support customer transactions based on branch traffic.
• Reach out to customers, generate appointments, and build relationships in the community.
• Address questions and resolve issues from consumer credit audits and quality checks, ensuring accurate data entry and lending recommendations.
• Apply the risk management framework to protect Bank assets and maintain lending portfolio quality.
• Make credit recommendations for personal lending, including home financing, in accordance with credit principles and Bank policies.
• Collaborate as a member of the branch and market team and contribute to business results and customer experience improvements.
• Integrate relevant marketing promotions into conversations about personal banking and credit card needs.
• Organize work information accurately and completely, and take initiative to personalize customer experiences.
• Follow risk, compliance, privacy, legal, and ethical processes and policies.
• Maintain current knowledge of financial services, regulations, personal banking products, practices, and trends.
• Identify and report suspicious activity patterns that may be related to money laundering.
• Analyze issues, determine next steps, and complete complex and diverse tasks within established limits; handle escalations when needed.
• Make sound, risk-informed decisions consistent with business strategy, approved risk appetite, policies, and applicable laws and regulations.

Benefits

• Health insurance
• Tuition reimbursement
• Accident and life insurance
• Retirement savings plans
• May include performance-based incentives, discretionary bonuses, and other 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