Retail Relationship Banker

Bank of Montreal•La Habra, CA

11d

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, builds customer relationships, identifies needs, and recommends appropriate banking solutions. The banker works collaboratively across branches and channels to meet customer and business objectives, and may support multiple branches based on market needs. Work schedules may vary from week to week in days, hours, and shifts. The position supports personal and small-business banking needs, including everyday banking, investments, lending, home financing, and digital banking options. It also contributes to sales and service outcomes, lending decisions, risk management, compliance, and an accurate, personalized customer experience. BMO describes its purpose as creating positive change for customers, communities, and employees, and offers training, coaching, manager support, and network-building opportunities.

Requirements

Typically 2–3 years of relevant experience and a post-secondary degree in a related field, 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 the ability to provide a personal customer experience.
Commitment to helping customers, with a results focus and ability to thrive in a consultative sales and team-based environment.
Resourcefulness and confidence in 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 adaptability to new challenges.
Good verbal and written communication skills.
Good organization skills.
Good collaboration and teamwork skills.
Good analytical and problem-solving skills.
For U.S. positions, federal registration with the Nationwide Mortgage Licensing System and Registry is required for the role’s consumer-loan origination duties; the bank will provide registration instructions.
For U.S. positions, 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.
Confidence and experience using social media, tablets, smartphones, online tools, and applications.
For Canada positions, completion of registration to sell investment products, as appropriate for the jurisdiction.

Responsibilities

Deliver exceptional service to customers and prospects and provide advice on financial solutions aligned with their interests.
Proactively engage existing and prospective customers, conduct needs assessments, build loyalty, and identify current and future opportunities.
Recommend tailored banking solutions for everyday banking, retail investments, lending, home financing, and small-business needs.
Explain digital and self-service banking options to help customers bank easily, simply, and quickly.
Support customer transactions based on branch traffic and generate appointments and new community relationships.
Address issues raised through consumer credit audits and quality checks; ensure accurate data entry and lending recommendations comply with applicable requirements and policies.
Apply risk-management processes 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 and integrate relevant promotions into customer conversations.
Organize work information accurately and completely, and seek ways to improve customers’ experience.
Follow risk, compliance, privacy, and legal requirements; identify and report suspicious activity that may relate to money laundering.
Maintain current knowledge of financial services, regulatory requirements, personal banking products, practices, and trends.
Analyze issues, determine next steps, and handle complex tasks or escalations within applicable rules and limits.
Take measured, risk-informed decisions aligned with business strategy, the bank’s Risk Management Framework, approved risk appetite, policies, and laws.