Retail Relationship Banker

BMO • San Francisco, CA

1d • $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 and guidance on financial solutions in customers’ best interests. The role works collaboratively within the branch and with BMO partners across channels to deliver a strong customer experience and achieve business objectives. It proactively engages existing and prospective customers through needs-based assessments, growing loyalty and identifying immediate and future opportunities. The banker recommends tailored solutions across everyday banking, retail investments, lending, home financing, and small business needs, and advises customers on digital and self-service options. The role supports customer transactions based on traffic and may serve at multiple branches or through different channels as market needs require; schedules may vary from week to week in days, hours, and shifts.

The position contributes to business results while managing risk and complying with lending policies, legal and regulatory requirements, and ethical standards. It makes credit recommendations for personal lending, including home financing, and safeguards customer assets, privacy, and the quality of the lending portfolio. The role requires current knowledge of personal banking products, practices, trends, and the wider financial services marketplace, as well as collaboration with branch and market teams. The position typically requires 2–3 years of relevant experience and a post-secondary degree in a related field or equivalent education and experience. The posted salary range is $50,000–$100,000; actual compensation varies based on factors including location, skills, experience, education, and qualifications, and may include commission or other incentives.

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: investment product sales registration 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, with a drive to deliver a personal customer experience.
• Commitment to helping customers and delivering a personalized 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 and 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 teamwork skills.
• Good analytical and problem-solving skills.
• For the U.S. role: Federal registration with the Nationwide Mortgage Licensing System and Registry is required for the position’s consumer loan origination duties; a criminal background review and credit history evaluation are also required, along with restrictions on performing in a real estate agent capacity.

Nice To Haves

• Experience in financial services is an asset.

Responsibilities

• Proactively engage existing customers and prospects through needs-based assessments to build loyalty and identify immediate 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.
• Advise customers on digital and self-service banking options.
• Support customer transaction needs based on customer traffic.
• Reach out to customers, generate appointments, and build relationships in the community to grow BMO’s business.
• Address questions and resolve issues identified through consumer credit audits and quality checks, ensuring accurate data entry and compliant lending recommendations.
• Apply risk management practices to protect bank assets and maintain lending portfolio quality in accordance with established requirements and guidelines.
• Make credit recommendations for personal lending transactions, including home financing, in accordance with sound credit principles and bank policies.
• Collaborate as a member of branch and market teams and contribute to business results and customer experience improvements.
• Identify personal banking and credit card needs, integrating relevant marketing promotions and programs into customer conversations.
• Organize work information to ensure accuracy and completeness, and find creative ways to personalize customer experiences.
• Follow risk and compliance processes and policies to safeguard customer assets and privacy and act in customers’ best interests.
• Keep current with financial services market developments, legal and regulatory requirements, ethical expectations, and personal banking products and trends.
• Identify and report suspicious activity patterns potentially related to money laundering.
• Protect bank assets and comply with applicable regulatory, legal, and ethical requirements.
• Handle complex and diverse tasks within established limits, including possible escalations from other employees; analyze issues and determine next steps.
• Make sound, risk-informed decisions consistent with business strategy, the Risk Management Framework, Risk Culture, approved Risk Appetite, applicable policies, and laws and regulations.

Benefits

• Health insurance
• Tuition reimbursement
• Accident insurance
• Life insurance
• Retirement savings plans
• The total compensation package may include performance-based incentives, discretionary bonuses, perks, and rewards.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: Associate degree