Retail Relationship Banker

BMO • Auburn, CA

22d • $43,000 - $75,000

About The Position

Delivers exceptional service to BMO customers and prospects by identifying their needs and providing advice and guidance on financial solutions in customers’ best interests. Works collaboratively with the branch team and BMO partners across channels to deliver a strong customer experience and achieve business objectives.

The banker proactively engages existing customers and prospects, conducts needs assessments, recommends tailored banking and lending solutions, and explains digital and self-service options. The role supports customer transactions, builds community relationships, generates appointments, and contributes to business results. It also includes making personal lending credit recommendations, applying risk-management practices, safeguarding customer assets and privacy, and ensuring compliance with applicable laws, regulations, and Bank policies.

The position may involve working at multiple branches or through various channels based on market needs. The weekly schedule may vary in days, hours, and shifts. Broader work or accountabilities may be assigned as needed.

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, 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.
• Resourceful self-starter with the confidence to approach customers.
• Readiness 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.
• Specialized knowledge.
• Good verbal and written communication skills.
• Good organization skills.
• Good collaboration and team skills.
• Good analytical and problem-solving skills.
• U.S. only: Federal registration with the Nationwide Mortgage Licensing System and Registry is required for this position; the Bank will instruct the employee 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

• Bilingual English and Spanish language skills are preferred.
• Experience in financial services is an asset.
• Canada only: Registration to sell investment products completed, as appropriate for the jurisdiction.

Responsibilities

• Proactively engage existing customers and prospects through needs-based assessments to grow loyalty and identify current and future opportunities.
• Recommend tailored financial solutions for everyday banking, retail investments, lending, home financing, and small business needs.
• Advise customers on digital and self-service options and support transaction needs based on customer traffic.
• Generate appointments and build new customer 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 protect Bank assets and maintain lending portfolio quality.
• Make credit recommendations for personal lending transactions, including home financing, in accordance with Bank policies and sound credit principles.
• Collaborate with branch and market teams and contribute to business results and customer experience improvements.
• Integrate relevant marketing promotions and programs into customer conversations and provide strategic advice.
• Organize work information to ensure accuracy and completeness, and use creative approaches to personalize customer experiences.
• Follow risk and compliance processes to protect customer assets and privacy and act in customers’ best interests.
• Maintain knowledge of financial services markets, the legal and regulatory environment, and personal banking products, practices, and trends.
• Identify and report suspicious activity patterns suspected to be related to money laundering.
• Comply with jurisdictional legal and regulatory requirements and protect Bank assets.
• Complete complex and diverse tasks within established rules and limits, handle escalations when needed, and analyze issues to determine next steps.
• Take measured, risk-informed decisions in accordance with the Risk Management Framework, Risk Culture, approved Risk Appetite, applicable policies, 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, depending on pay type

What This Job Offers

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