Retail Relationship Banker

BMO • Santa Ana, CA

7d • $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 on financial solutions that are in their best interests. Working collaboratively with branch colleagues and BMO partners across channels, the banker helps deliver a strong customer experience and achieve business objectives. The role proactively engages existing customers and prospects, conducts needs-based assessments, recommends tailored banking, investment, lending, home-financing, and small-business solutions, and helps customers use digital and self-service options. The banker also supports customer transactions, builds relationships in the community, generates appointments, and contributes to branch and market results.

The role includes making personal lending credit recommendations, including for home financing, and maintaining the quality of the lending portfolio. The banker follows risk-management, privacy, compliance, and lending requirements; resolves questions arising from credit audits and quality checks; and identifies suspicious activity that may be related to money laundering. Work may take place at multiple branches or through different channels according to market needs, and the weekly schedule may vary in days, hours, and shifts.

The position typically requires two to three years of relevant experience, a desirable post-secondary degree in a related field or an equivalent combination of education and experience, appropriate lending qualifications, and—in Canada, where applicable—registration to sell investment products. The role calls for knowledge of personal and small-business banking needs, retail investments, lending products, and digital tools, along with consultative customer service or sales experience and strong communication, organization, collaboration, analytical, and problem-solving skills. In the U.S., the position requires federal registration with the Nationwide Mortgage Licensing System and Registry, as well as criminal background and credit history reviews.

Requirements

• Typically two to three years of relevant experience.
• A post-secondary degree in a related field of study is desirable, or an equivalent combination of education and experience.
• Appropriate lending qualifications and designations.
• In Canada, registration to sell investment products, as appropriate for the jurisdiction.
• Working knowledge of personal and small-business customer needs and solutions.
• Working knowledge of retail investment and lending products.
• Experience in financial services is an asset.
• Confidence and experience using social media, tablets, smartphones, online tools, and applications.
• Experience in a consultative customer service or sales role, with a drive to deliver a personal customer experience.
• 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 initiative, with confidence to approach 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, flexibility, and creativity when responding to new challenges.
• Specialized knowledge.
• Good verbal and written communication skills.
• Good organization skills.
• Good collaboration and teamwork skills.
• Good analytical and problem-solving skills.
• In the U.S., federal registration with the Nationwide Mortgage Licensing System and Registry is required; the Bank will provide instructions on registration requirements.
• In the U.S., a criminal background review and credit history evaluation are required, and restrictions apply to performing in a real estate agent capacity.

Nice To Haves

• Post-secondary degree in a related field of study.
• Experience in financial services.

Responsibilities

• Proactively engage existing customers and prospects through needs-based assessments to build loyalty and identify current and future opportunities.
• Recommend tailored financial solutions for customers’ sales and service needs, including everyday banking, retail investments, lending, home financing, and small-business solutions.
• Advise customers on digital and self-service options to make banking easier, simpler, and faster.
• Support customer transaction needs based on customer traffic.
• Reach out to customers, generate appointments, and build new relationships within the community.
• Address questions and resolve issues arising from consumer credit audits and quality checks, ensuring accurate data entry and compliant lending recommendations.
• Apply the risk-management framework to protect the Bank’s assets and maintain lending portfolio quality in line with applicable guidelines and requirements.
• Make credit recommendations for personal lending transactions, including home financing, in accordance with sound credit principles and Bank policies and procedures.
• Collaborate as a member of a versatile branch and market team, and contribute to business results and the customer experience.
• Understand customers’ personal banking and credit card needs and incorporate relevant marketing promotions and programs into conversations.
• Organize work information to ensure accuracy and completeness; find creative ways to personalize customer experiences and improve the overall experience.
• Follow risk and compliance processes and policies to safeguard customer assets, protect privacy, and act in customers’ best interests.
• Maintain current knowledge of financial services, the legal and regulatory environment, and personal banking products, practices, and trends.
• Identify and report suspicious patterns of activity suspected to be related to money laundering.
• Protect the Bank’s assets and comply with applicable legal, regulatory, and ethical requirements.
• Analyze issues, determine next steps, complete complex and diverse tasks within established rules and limits, and handle escalations from other employees when needed.
• Make sound, risk-informed decisions aligned with business strategy, the Risk Management Framework, approved Risk Appetite, and applicable policies, standards, procedures, laws, and regulations.
• Perform broader work or accountabilities as assigned.

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