Relationship Banker: Personal Banking & Lending

BMO U.S.; Modesto (CA); On-site; USD 43,000 - 75,000; Full time

Benefits offered by this job

Health insurance

Tuition reimbursement

Retirement savings plans

Job summary

BMO Financial Group in California is seeking a Banking Associate to engage customers, assess their needs, and recommend tailored financial solutions, including everyday banking, lending, and retail investments. You will work across branch networks to deliver strong service and achieve sales goals.

The role involves advising on digital options, handling transactions, and building relationships in the community while ensuring regulatory compliance and risk controls.

Qualifications

• Typically 2–3 years of relevant experience with a related post-secondary degree or equivalent.
• Appropriate lending qualifications and designations.
• Working knowledge of personal and small business customer needs and solutions.
• Experience in financial services is an asset.
• Strong communication and interpersonal skills.

Responsibilities

• Delivers needs-based assessments to grow loyalty and identify opportunities.
• Engages customers to complete needs assessments and propose tailored financial solutions.
• Offers guidance on digital and self-serve options to simplify banking.
• Supports customer transactions and promotes service channels.
• Develops relationships by generating appointments and community engagement.
• Ensures compliance with legal and regulatory requirements and lending policies.
• Applies risk management framework to protect assets and loan portfolio quality.
• Makes credit recommendations for personal lending, including home financing.

Skills

Needs-based assessments

Consultative sales

Relationship building

Lending knowledge

Education

Post-secondary degree desirable

Job description

BMO Financial Group in California is seeking a Banking Associate to engage customers, assess their needs, and recommend tailored financial solutions, including everyday banking, lending, and retail investments. You will work across branch networks to deliver strong service and achieve sales goals.

The role involves advising on digital options, handling transactions, and building relationships in the community while ensuring regulatory compliance and risk controls.