Retail Relationship Banker

Bank of Montreal•Patterson, CA

18d

About The Position

Delivers exceptional service to BMO customers and prospects by identifying customer needs and providing advice and guidance on financial solutions that are in their best interests. Works collaboratively within the branch and with BMO partners across channels to provide the desired customer experience and achieve business objectives. Proactively engages existing customers and prospects through needs-based assessments to grow loyalty and identify immediate and future opportunities. Recommends tailored solutions for everyday banking, retail investments, lending, home financing (including business-for-self applications), and small business needs, while promoting digital and self-service options. Supports customer transactions according to branch traffic and builds business by generating appointments and developing community relationships. The role makes credit recommendations for personal lending, including home financing, and applies risk management practices to protect bank assets and maintain lending portfolio quality. It addresses audit and quality-check issues, follows legal and regulatory requirements and lending policies, protects customer privacy and assets, and identifies suspicious activity potentially related to money laundering. The banker keeps current with financial products, industry practices, market developments, and regulatory requirements, and contributes to ongoing improvements in the customer experience and business results. This position may involve working at multiple branches or through different channels based on market needs. The schedule may vary from week to week in days, hours, and shifts. Broader work or accountabilities may be assigned as needed, including complex tasks and escalations within established rules and limits.

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 investments and lending products.
Confident and experienced in using social media, tablets, smartphones, online tools, and applications.
Experience in a consultative customer service or sales role and a commitment to providing a personal customer experience.
Results focus and ability to thrive in a consultative sales and team-based environment.
Resourceful self-starter with confidence to approach 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 flexible, creative response skills.
Good verbal and written communication, organization, collaboration, teamwork, analytical, and problem-solving skills.
For U.S. positions: Federal registration with the Nationwide Mortgage Licensing System and Registry is required; the Bank will provide instructions on registration requirements. 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.
For Canada positions: Registration to sell investment products completed, as appropriate for the jurisdiction.

Responsibilities

Deliver exceptional service and provide needs-based financial advice to customers and prospects.
Identify customer needs and recommend tailored personal banking, investment, lending, home financing, and small business solutions.
Promote digital and self-service banking options and support customer transactions based on customer traffic.
Proactively contact customers and prospects, generate appointments, and build relationships in the community.
Make credit recommendations for personal lending, including home financing, in accordance with credit principles and bank policies.
Apply the risk management framework to lending and portfolio decisions, protecting bank assets and maintaining portfolio quality.
Address issues arising from consumer credit audits and quality checks, ensuring accurate data entry and appropriate lending recommendations.
Follow risk, compliance, legal, regulatory, privacy, and ethical requirements, and identify and report suspicious activity potentially related to money laundering.
Keep current on financial services developments, regulatory requirements, and personal banking products, practices, and trends.
Collaborate with branch and market teams and contribute to business results and improvements in customer experience.
Organize work information to ensure accuracy and completeness, analyze issues, and determine next steps.
Handle complex tasks and, where applicable, escalations from other employees; take on broader accountabilities as assigned.