Retail Relationship Banker

BMO • Emeryville, CA

2d • $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 in customers’ best interests. Working collaboratively with branch and market colleagues and BMO partners across channels, the banker helps deliver a positive customer experience and achieve business objectives. The role proactively engages existing customers and prospects, conducts needs assessments, recommends tailored banking, investment, lending, home-financing, and small-business solutions, and helps customers use digital and self-service banking options.

The position supports customer transactions, develops relationships in the community, generates appointments, and contributes to branch results. It includes making personal-lending credit recommendations, managing lending risk, responding to audit and quality-check questions, and following legal, regulatory, risk, and compliance requirements. The banker maintains current knowledge of financial products and the marketplace, protects customer privacy and bank assets, and identifies and reports suspicious activity. Work may take place at multiple branches or through various channels, and the schedule may vary from week to week in days, hours, and shifts.

Requirements

• Typically 2–3 years of relevant experience.
• A 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.
• Experience in a consultative customer service or sales role and a drive to deliver a personal customer experience.
• Confidence and experience using social media, tablets, smartphones, online tools, and applications.
• 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 approaching customers.
• Ability to collaborate and work in different capacities as part of a team.
• Strong interpersonal skills, including the 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 positions in Canada, completion of registration to sell investment products, as appropriate for the jurisdiction.
• For U.S. positions, federal registration with the Nationwide Mortgage Licensing System and Registry is required; the role is subject to a criminal background review, credit history evaluation, and restrictions on working as a real estate agent.

Nice To Haves

• Experience in financial services is an asset.
• Specialized knowledge.

Responsibilities

• Proactively engage existing customers and prospects through needs-based assessments to build loyalty and identify current and future opportunities.
• Recommend tailored financial solutions that address customers’ banking, investment, lending, home-financing, and small-business needs.
• Advise customers on digital and self-service options to make banking easier, simpler, and faster.
• 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 arising from consumer credit audits and quality checks, ensuring accurate data entry and compliant lending recommendations.
• Apply the risk management framework to lending portfolios and protect bank assets while maintaining portfolio quality.
• Make credit recommendations for personal lending, including home financing, in accordance with sound credit principles and bank policies.
• Collaborate as a member of the branch and market team.
• Identify personal banking and credit card needs, incorporating relevant marketing promotions and programs into customer conversations.
• Organize work information to ensure accuracy and completeness.
• Find creative ways to make customer experiences personal and contribute to ongoing customer-experience improvements.
• Follow risk and compliance processes and policies to safeguard customer assets and privacy and act in customers’ best interests.
• Maintain current knowledge of the financial services marketplace, legal and regulatory requirements, personal banking products, practices, and trends.
• Identify and report suspicious activity patterns that may be related to money laundering.
• Protect bank assets and comply with applicable regulatory, legal, and ethical requirements.
• Complete complex and diverse tasks within established rules and limits, including handling escalations from other employees, and analyze issues to determine next steps.
• Make sound, risk-informed decisions consistent with business strategy, the Risk Management Framework, 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, perks, and rewards

What This Job Offers

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