Retail Relationship Banker

BMO • La Habra, CA

12d • $50,000 - $100,000

About The Position

BMO is hiring a Forward Hire Relationship Banker to support La Habra and surrounding communities. The role delivers customer service and financial guidance to customers and prospects, identifies needs through assessments, recommends suitable banking and lending solutions, and builds relationships in the community. The banker works collaboratively with branch and market teams to meet customer needs and business objectives, and may support multiple branches or channels as market needs require. Schedules may vary from week to week in days, hours, and shifts.

The position includes consumer loan origination responsibilities under applicable U.S. regulations and requires federal registration with the Nationwide Mortgage Licensing System and Registry. A criminal background review and credit history evaluation are required, along with restrictions on performing in a real estate agent capacity.

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.
• Experience in a consultative customer service or sales role, with a drive to deliver a personal customer experience.
• Confident and experienced use of 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.
• Good verbal and written communication, organization, collaboration, teamwork, analytical, and problem-solving skills.
• Ability to thrive in a consultative sales and team-based environment, approach customers with confidence, and work in different capacities as part of a team.
• For U.S. consumer loan origination: federal registration with the Nationwide Mortgage Licensing System and Registry; 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.
• For Canada only, registration to sell investment products completed as appropriate for the jurisdiction.

Responsibilities

• Deliver exceptional service and provide advice and guidance on financial solutions that are in customers’ best interests.
• Proactively engage customers and prospects through needs-based assessments to build loyalty and identify immediate and future opportunities.
• Recommend tailored solutions for everyday banking, retail investments, lending, home financing, and small business needs.
• Guide customers on digital and self-service banking options.
• Support customer transactions based on branch traffic.
• Reach out to customers, generate appointments, and build new community relationships.
• Address questions and resolve issues identified through consumer credit audits and quality checks, ensuring accurate data entry and compliant lending recommendations.
• Apply risk-management practices to protect bank assets and maintain lending portfolio quality.
• Make personal lending and home-financing credit recommendations in accordance with sound credit principles and bank policies.
• Collaborate with branch and market teams to achieve business objectives and deliver a positive customer experience.
• Understand customer banking and credit card needs and incorporate relevant promotions and programs into customer conversations.
• Organize work information accurately and completely, and seek creative ways to personalize and improve customer experiences.
• Follow risk, compliance, privacy, and lending policies and processes; identify and report suspicious activity potentially related to money laundering.
• Maintain current knowledge of financial services, the legal and regulatory environment, and personal banking products, practices, and trends.
• Complete diverse tasks within established rules and limits, handle escalations as needed, analyze issues, and determine next steps.
• Make sound, risk-informed decisions consistent with the Risk Management Framework, approved Risk Appetite, business strategy, policies, and applicable laws and regulations.

Benefits

• Health insurance
• Tuition reimbursement
• Accident and life insurance
• Retirement savings plans
• Performance-based incentives, discretionary bonuses, and other perks and rewards may be included depending on the position’s pay type.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: No Education Listed