Retail Relationship Banker

BMO • Fullerton, CA

6d • $50,000 - $100,000

About The Position

The Retail Relationship Banker delivers exceptional service to BMO customers and prospects by identifying their needs and providing advice and guidance on financial solutions in their best interests. The role works collaboratively within the branch and with BMO partners across channels to create a strong customer experience and achieve business objectives. It proactively engages existing customers and prospects, completes needs assessments, recommends tailored banking, investment, lending, home-financing, and small-business solutions, and helps customers use digital and self-service options.

The position supports customer transactions, generates appointments, and builds community relationships to grow the business. It makes personal-lending credit recommendations, including home financing, and applies risk-management practices to protect bank assets and maintain lending quality. The banker also addresses audit and quality-check issues, ensures accurate data entry and compliant recommendations, and follows applicable legal, regulatory, privacy, and risk requirements.

The role contributes to branch and market results, maintains current knowledge of banking products and the financial-services environment, identifies suspicious activity, and helps improve the customer experience. Work may take place at multiple branches or through different channels according to market needs, and the schedule may vary from week to week.

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.
• Confident and experienced use of social media, tablets, smartphones, online tools, and applications.
• Experience in a consultative customer-service or sales role and motivation to deliver a personal customer experience.
• Strong commitment to helping customers and a focus on results.
• Ability to thrive in a consultative sales and team-based environment.
• Resourcefulness and confidence in approaching customers.
• Readiness 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 responses 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: Investment-product sales registration completed, as appropriate for the jurisdiction.
• For the U.S.: Federal registration with the Nationwide Mortgage Licensing System and Registry is required for originating consumer loans under applicable regulations; criminal-background and credit-history reviews and restrictions on working as a real estate agent also apply.

Nice To Haves

• Experience in financial services is an asset.
• A post-secondary degree in a related field of study.

Responsibilities

• Proactively engage existing customers and prospects, conduct needs-based assessments, and identify immediate and future opportunities to build loyalty.
• Recommend tailored solutions for everyday banking, retail investments, lending, home financing, and small-business needs.
• Explain digital and self-service options to help customers bank easily, simply, and quickly.
• Support customer transactions based on branch traffic.
• Reach out to customers, generate appointments, and build new relationships in the community.
• Address questions and resolve issues from consumer credit audits and quality checks, ensuring accurate data entry and compliant lending recommendations.
• Apply the risk-management framework to the lending portfolio and protect bank assets while maintaining lending quality.
• Make credit recommendations for personal lending transactions, including home financing, in line with sound credit principles and bank policies.
• Collaborate as a member of the branch and market team and contribute to business results and the customer experience.
• Integrate relevant marketing promotions and programs into customer conversations.
• Organize work information for accuracy and completeness, analyze issues, and determine next steps.
• Identify ways to personalize and improve the customer experience.
• Follow risk and compliance policies to safeguard customer assets, protect privacy, and act in customers’ best interests.
• Maintain current knowledge of financial services, legal and regulatory requirements, and personal banking products, practices, and trends.
• Identify and report suspicious activity patterns potentially related to money laundering.
• Protect the Bank’s assets and comply with applicable legal, regulatory, and ethical requirements.
• Handle complex and diverse tasks within established rules and limits, including possible escalations from other employees.
• Take measured, risk-informed actions aligned with business strategy, the Bank’s Risk Management Framework, Risk Culture, and approved Risk Appetite.
• Work at multiple branches or through different channels as needed; the weekly schedule may vary in days, hours, and shifts.

Benefits

• Health insurance
• Tuition reimbursement
• Accident and life insurance
• Retirement savings plans
• Performance-based incentives, discretionary bonuses, perks, and rewards may be included in the total compensation package.
• 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