Retail Relationship Banker

BMO • Patterson, CA

19d • $43,000 - $75,000

About The Position

The Retail Relationship Banker delivers exceptional service to BMO customers and prospects, identifies their financial needs, and provides advice and guidance on suitable financial solutions. The role works collaboratively with branch teams and BMO partners across channels to create a positive customer experience and achieve business objectives. It involves engaging customers and prospects through needs-based conversations, recommending tailored banking, investment, lending, home-financing, and small-business solutions, and helping customers use digital and self-service options.

The position supports customer transactions, develops relationships in the community, generates appointments, and contributes to branch and market results. It also makes personal-lending credit recommendations, including for home financing, and manages risk and compliance responsibilities to protect customer and bank assets. The role may involve working at multiple branches or across different channels, with a schedule that may vary by week in days, hours, and shifts.

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 financial services is an asset.
• Experience in a consultative customer service or sales role and a commitment to delivering a personal customer experience.
• Confident and experienced in using social media, tablets, smartphones, online tools, and applications.
• Strong interpersonal skills, including the ability to build rapport and connections with customers.
• Ability to listen, solve problems, and respond flexibly and creatively to new challenges.
• Good verbal and written communication skills.
• Good organization skills.
• Good collaboration and teamwork skills.
• Good analytical and problem-solving skills.
• For Canada: Registration to sell investment products, as appropriate for the jurisdiction.
• For the U.S.: Federal registration with the Nationwide Mortgage Licensing System and Registry is required; a criminal background review and credit history evaluation are required, and restrictions apply to performing in a real estate agent capacity.

Nice To Haves

• Post-secondary degree in a related field of study (desirable).
• Experience in financial services.
• For Canada: Completed registration to sell investment products, as appropriate for the jurisdiction.

Responsibilities

• Proactively engage existing customers and prospects through needs-based assessments to build loyalty and identify current and future opportunities.
• Recommend tailored solutions for customers’ banking, investments, lending, home financing, and small-business needs.
• Explain digital and self-service options to help customers bank easily, simply, and quickly.
• Support customer transactions according to branch traffic.
• Reach out to customers, generate appointments, and build 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 lending portfolios and follow lending quality, diversification, yield, and risk guidelines.
• Make credit recommendations for personal lending transactions, including home financing, in accordance with credit principles and bank policies.
• Collaborate as a member of the branch and market team and contribute to business results and customer experience improvements.
• Discuss personal banking and credit card needs, incorporating relevant promotions and programs into customer conversations.
• Organize work information to ensure accuracy and completeness, and seek creative ways to personalize customer experiences.
• Follow risk and compliance policies to safeguard customer assets, protect privacy, and act in customers’ best interests.
• Maintain current knowledge of financial services, legal and regulatory requirements, personal banking products, practices, and trends.
• Identify and report suspicious activity patterns suspected to be related to money laundering.
• Protect bank assets and comply with applicable legal, regulatory, and ethical requirements.
• Analyze issues, determine next steps, complete diverse tasks within established limits, and handle escalations as needed.
• Take measured, risk-informed actions aligned with business strategy, approved risk appetite, and applicable policies and laws.

Benefits

• Health insurance
• Tuition reimbursement
• Accident insurance
• Life insurance
• Retirement savings plans
• Performance-based incentives, discretionary bonuses, and other perks and rewards may be included in the total compensation package

What This Job Offers

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