Relationship Banker: Personal Banking & Lending Advisor

BMO Harris Bank; California; On-site; USD 43,000 - 75,000; Full time

Benefits offered by this job

Health insurance

Tuition reimbursement

Accident and life insurance

Retirement savings plans

Job summary

BMO Harris Bank in California seeks a customer-focused banking professional to deliver exceptional service, assess needs, and guide clients toward tailored financial solutions. You will collaborate with branch teams to build relationships and promote digital/self-serve options while maintaining regulatory compliance.

The role involves engaging customers, advising on lending and everyday banking products, and contributing to growth through proactive outreach and high-quality service. U.S.

Qualifications

• Typically between 2 - 3 years of relevant experience and post-secondary degree in related field of study 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 investments and lending products.
• Experience in financial services is an asset.
• Confident with social media, tablets, smartphones, online tools.
• Experience in a consultative customer service or sales role.
• Readiness to collaborate and work in different capacities as part of a team.
• Strong interpersonal skills, including the ability to build rapport and connections with customers.
• Analytical and problem solving skills.

Responsibilities

• Takes a lead in proactively engaging with existing customers and prospects by providing needs-based assessments to grow loyalty and identify immediate / future opportunities.
• Engages customers to complete needs assessments that identify financial solutions and preferred banking channels while recommending tailored solutions addressing both sales and service needs.
• Offers clients advice and guidance on available digital and self-serve options with the goal of making banking easy, simple, and fast.
• Supports customer transactions needs based on customer traffic.
• Engages customers to grow BMO's business by reaching out, generating appointments, and building new relationships within the community.
• Addresses questions and resolves issues raised through consumer credit audits and quality checks to ensure accurate data entry and lending application recommendations in compliance with legal and regulatory requirements.
• Applies the risk management framework to the portfolio to protect the Bank's assets.
• Makes credit recommendations for personal lending transactions, including home financing, in accordance with sound credit principles.
• Acts as a key member of a collaborative and versatile branch and market team.
• Probes to understand customer personal banking and credit card needs and integrates marketing promotions into conversations.
• Organizes work information to ensure accuracy and completeness.
• Takes the initiative to find creative approaches that make each customer's experience personal.

Skills

Needs-based selling

Customer service

Interpersonal skills

Communication skills

Team collaboration

Risk awareness

Financial guidance

Lending knowledge

Education

Post-secondary degree or equivalent

Lending qualifications/designations

Job description

BMO Harris Bank in California seeks a customer-focused banking professional to deliver exceptional service, assess needs, and guide clients toward tailored financial solutions. You will collaborate with branch teams to build relationships and promote digital/self-serve options while maintaining regulatory compliance.

The role involves engaging customers, advising on lending and everyday banking products, and contributing to growth through proactive outreach and high-quality service. U.S.