Retail Relationship Banker - Modesto (Pelandale Ave), CA

Bank of Montreal•Modesto, CA

11d•Onsite

About The Position

The Retail Relationship Banker delivers exceptional service to BMO customers and prospects, identifying their needs and providing advice about financial solutions that are in their best interests. The role works collaboratively within the branch and with BMO partners across channels to create a strong customer experience and achieve business objectives. The banker proactively engages customers and prospects, conducts needs-based assessments, recommends tailored banking, investment, lending, home-financing, and small-business solutions, and helps customers use digital and self-service banking options. The role also supports transactions according to customer traffic and builds relationships in the community through outreach and appointments. The banker makes personal lending credit recommendations, including for home financing, and applies risk-management practices to protect bank assets and maintain a quality lending portfolio. The position requires adherence to legal and regulatory requirements, lending policies, privacy obligations, and ethical standards, including identifying and reporting suspicious activity. The banker stays informed about financial services, products, and trends; contributes to the branch and market team; and helps improve the customer experience. Work may take place at multiple branches or through different channels, and the weekly schedule may vary in days, hours, and shifts according to market needs.

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.
Registration to sell investment products completed, as appropriate for the jurisdiction (Canada only).
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 and experienced 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 in a consultative sales and team-based environment.
Resourcefulness and confidence in proactively approaching customers.
Ability 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, 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 U.S. positions: Federal registration with the Nationwide Mortgage Licensing System and Registry is required for consumer-loan origination; a criminal background review and credit-history evaluation are also required, along with restrictions on serving as a real estate agent.

Nice To Haves

Experience in financial services is an asset.

Responsibilities

Deliver exceptional service to customers and prospects and identify their financial needs.
Conduct needs-based assessments and recommend tailored banking, investment, lending, home-financing, and small-business solutions.
Promote digital and self-service banking options to make banking easy, simple, and fast.
Support customer transactions based on branch traffic.
Reach out to customers and prospects, generate appointments, and build relationships in the community.
Address questions and resolve issues identified through consumer credit audits and quality checks.
Apply the risk-management framework to lending portfolios and make personal lending credit recommendations in accordance with sound credit principles and bank policies.
Collaborate with branch and market teams to deliver customer experiences and achieve business objectives.
Incorporate marketing promotions into customer conversations and identify immediate and future opportunities.
Organize work information accurately and completely, and contribute to improving the customer experience.
Follow risk, compliance, privacy, legal, and regulatory policies and processes; identify and report suspicious activity that may relate to money laundering.
Maintain current knowledge of financial services, personal banking products, practices, and trends.
Analyze issues, determine next steps, and handle complex tasks or escalations within established limits.