Retail Relationship Banker

Bank of Montreal•San Clemente, CA

12d

About The Position

The Retail Relationship Banker delivers exceptional service to BMO customers and prospects by understanding their needs and offering advice on financial solutions in customers’ best interests. The role works collaboratively with branch colleagues and BMO partners across channels to deliver a strong customer experience and meet business objectives. It proactively engages existing customers and prospects through needs-based assessments, tailored recommendations, appointments, and relationship building within the community. The banker supports everyday banking and customer transactions, retail investments, lending and home financing (including business-for-self applications), and small business solutions. They help customers use digital and self-service options, integrate relevant promotions into conversations, and contribute to improvements in the customer experience. The position may involve working at multiple branches or through different channels, with a schedule that may vary from week to week in days, hours, and shifts. The role also makes personal lending credit recommendations, supports the quality and risk management of the lending portfolio, responds to audit and quality-check issues, and follows applicable risk, privacy, compliance, legal, regulatory, and ethical requirements. The banker keeps current on financial services products and trends, identifies suspicious activity that may relate to money laundering, and may handle complex tasks or escalations within established rules and limits.

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.
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 a drive to deliver a personal customer experience.
Confidence and experience using social media, tablets, smartphones, online tools, and applications.
Strong commitment to helping customers and delivering a personal customer experience.
Results focus and ability to thrive in a consultative sales and team-based environment.
Resourcefulness and confidence when approaching customers.
Willingness 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, flexibility, and creativity when responding to new challenges.
Good verbal and written communication skills.
Good organization skills.
Good collaboration and team 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 activities; the Bank will instruct the employee on registration requirements.
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

Bilingual fluency in Spanish and English is preferred.
Experience in financial services is an asset.
Post-secondary degree in a related field of study.

Responsibilities

Deliver exceptional service and advice to BMO customers and prospects, identifying needs and recommending suitable financial solutions.
Conduct needs assessments and recommend tailored banking, investment, lending, home financing, and small business solutions.
Explain digital and self-service banking options to make banking easier, simpler, and faster for customers.
Support customer transaction needs based on branch traffic.
Proactively contact customers and prospects, generate appointments, and build relationships in the community.
Address questions and resolve issues raised through consumer credit audits and quality checks, supporting accurate data entry and compliant lending recommendations.
Apply risk management practices to protect the Bank’s assets and maintain lending portfolio quality.
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.
Integrate relevant marketing promotions and programs into customer conversations.
Organize work information to ensure accuracy and completeness.
Follow risk, compliance, privacy, legal, and regulatory processes and policies; safeguard customer assets and act in customers’ best interests.
Maintain current knowledge of the financial services marketplace, regulatory environment, personal banking products, practices, and trends.
Identify and report suspicious patterns of activity suspected to be related to money laundering.
Protect the Bank’s assets and make sound, risk-informed decisions aligned with applicable policies, laws, regulations, and the Bank’s Risk Management Framework.
Complete complex and diverse tasks within established rules and limits, including handling escalations from other employees as needed.
Work at multiple branches or through various channels as market needs require.