Retail Relationship Banker

Bank of Montreal • Long Beach, CA

9d

About The Position

The Retail Relationship Banker delivers exceptional service to BMO customers and prospects by understanding their needs and recommending financial solutions that serve their best interests. Working collaboratively with branch colleagues and BMO partners, the banker builds customer loyalty, develops new relationships, and supports branch and market business objectives.

The role includes conducting needs-based assessments and recommending tailored solutions across everyday banking, retail investments, personal lending, home financing, and small-business banking. The banker promotes digital and self-service options, supports transactions as customer traffic requires, generates appointments, and engages with the community to develop business. The position also makes personal-lending credit recommendations, follows risk-management and compliance processes, safeguards customer assets and privacy, and addresses audit and quality-check findings.

The banker works as part of a versatile branch and market team and may work at multiple branches or through different channels according to market needs. The schedule may vary from week to week in days, hours, and shifts. Additional related duties may be assigned.

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.
• For Canada: registration to sell investment products, 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 investment and lending products.
• Confident use of social media, tablets, smartphones, online tools, and applications.
• Experience in a consultative customer-service or sales role.
• Commitment to helping customers and delivering a personal customer experience.
• Ability to achieve results and 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 and ability to build rapport with customers.
• Listening, problem-solving, flexibility, and creativity when responding to challenges.
• Good verbal and written communication skills.
• Good organizational skills.
• Good collaboration and teamwork skills.
• Good analytical and problem-solving skills.
• For the U.S. position: Federal registration with the Nationwide Mortgage Licensing System and Registry is required; the Bank will provide instructions on registration requirements.
• For the U.S. position: criminal background review and credit history evaluation are required, and restrictions apply to working as a real estate agent.

Nice To Haves

• Experience in financial services is an asset.

Responsibilities

• Deliver exceptional service and provide financial advice and guidance in customers’ best interests.
• Proactively engage existing customers and prospects, conduct needs assessments, and identify immediate and future opportunities.
• Recommend tailored solutions for everyday banking, retail investments, lending, home financing, and small-business needs.
• Explain digital and self-service banking options to make banking easier, simpler, and faster.
• Support customer transactions based on branch traffic.
• Generate appointments and build new customer relationships within the community.
• Address questions and resolve issues arising from consumer credit audits and quality checks.
• Make personal-lending credit recommendations, including home-financing recommendations, in accordance with credit principles and Bank policies.
• Apply risk-management practices to protect Bank assets and maintain lending-portfolio quality.
• Collaborate with branch and market teams and contribute to business results and customer experience improvements.
• Integrate relevant marketing promotions and programs into customer conversations.
• Maintain accurate and complete work information and take initiative to make customer experiences personal.
• Follow risk, compliance, privacy, legal, regulatory, and ethical requirements.
• Keep current with financial-services markets, regulations, personal-banking products, practices, and trends.
• Identify and report suspicious activity potentially related to money laundering.
• Analyze issues, determine next steps, and handle complex tasks or escalations within established limits.

Benefits

• Health insurance
• Tuition reimbursement
• Accident insurance
• Life insurance
• Retirement savings plans
• Training and coaching
• Manager support
• Network-building opportunities
• Potential 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