Retail Relationship Banker

BMO • Oakland, CA

4d • $50,000 - $100,000

About The Position

Delivers exceptional service to BMO customers and prospects by identifying their needs and providing guidance on financial solutions in their best interests. Works collaboratively within the branch and with BMO partners across channels to deliver a positive customer experience and achieve business objectives. Proactively engages customers and prospects through needs-based assessments, tailored recommendations, community outreach, and relationship building. Supports customer transactions, promotes digital and self-service banking, and advises on everyday banking, investments, lending, home financing, and small-business solutions.

The role makes credit recommendations for personal lending, including home financing, and applies established credit principles, policies, risk guidelines, and regulatory requirements. It supports accurate lending applications, responds to audit and quality-check issues, protects customer privacy and bank assets, and identifies suspicious activity. The banker maintains current knowledge of banking products, the financial-services marketplace, and applicable laws and regulations while contributing to branch and team results and ongoing improvements to the customer experience.

The position may involve working at multiple branches or through different channels as market needs require. The work schedule may vary from week to week in days, hours, and shifts. Other duties may be assigned as needed.

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.
• For Canada: Registration to sell investment products completed, as appropriate for the jurisdiction.
• Appropriate lending qualifications and designations.
• Working knowledge of personal and small-business customer needs and solutions.
• Working knowledge of retail investments 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 provide 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 confidence to approach customers.
• Readiness to collaborate and work in different capacities as part of a team.
• Strong interpersonal skills, including 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 team skills.
• Good analytical and problem-solving skills.
• For the U.S. position: Federal registration with the Nationwide Mortgage Licensing System and Registry is required for consumer-loan origination under the stated regulations and the S.A.F.E. Act. 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 is an asset.
• Specialized knowledge.

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 customers' sales and service needs, including everyday banking, retail investments, lending, home financing, and small-business solutions.
• Explain digital and self-service banking options to help customers bank easily, simply, and quickly.
• Support customer transactions according to customer traffic.
• Reach out to customers, generate appointments, and build new relationships in the community.
• Address questions and resolve issues raised through consumer credit audits and quality checks, ensuring accurate data entry and lending recommendations comply with requirements and policies.
• Apply the risk management framework to the lending portfolio and protect bank assets while maintaining portfolio quality.
• Make credit recommendations for personal lending transactions, including home financing, in accordance with credit principles and bank policies and procedures.
• Collaborate as a member of the branch and market team and contribute to business results and customer experience.
• Understand customers' personal banking and credit card needs and incorporate marketing promotions and programs into conversations.
• Organize work information to ensure accuracy and completeness.
• Use creative approaches to make customer experiences personal and contribute to improving the overall customer experience.
• Follow risk and compliance processes and policies to safeguard customer assets and privacy and act in customers' best interests.
• Keep current with financial services, legal and regulatory requirements, ethical standards, personal banking products, practices, and trends.
• Identify and report suspicious patterns of activity suspected to be related to money laundering.
• Protect bank assets and comply with applicable legal, regulatory, and ethical requirements.
• Complete complex and diverse tasks within established rules and limits, including handling escalations from other employees; analyze issues and determine next steps.
• Take measured, risk-informed decisions in line with business strategy, approved risk appetite, the Risk Management Framework, policies, laws, and regulations.
• Work across multiple branches or channels as needed, with a schedule that may vary by week.

Benefits

• Health insurance
• Tuition reimbursement
• Accident and life insurance
• Retirement savings plans
• May include performance-based incentives, discretionary bonuses, and other perks and rewards
• In-depth 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