Retail Relationship Banker

BMO U.S.; Fresno (CA); On-site; USD 41,000 - 67,000; Full time

Job summary

An established industry player is seeking a Retail Relationship Banker to deliver exceptional service and financial solutions to customers. This role involves engaging with clients to identify their needs, recommending tailored banking options, and ensuring compliance with regulations. You will work collaboratively within the branch to enhance the customer experience and contribute to business growth. If you have a passion for finance, strong interpersonal skills, and a commitment to customer service, this opportunity is perfect for you. Join a team that values your growth and supports your professional development from day one.

Benefits

Performance Incentives

Bonuses

Training and Development Opportunities

Health Benefits

Qualifications

• 2-3 years of relevant experience in finance or sales.
• Strong knowledge of banking needs and solutions.

Responsibilities

• Engage with customers to assess needs and recommend financial solutions.
• Ensure compliance with legal and regulatory standards.

Skills

Customer Service

Problem-Solving

Interpersonal Skills

Sales Experience

Communication Skills

Education

Post-Secondary Degree

Tools

Online Banking Tools

Social Media

Tablets and Smartphones

Job description

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Delivers exceptional service to BMO customers and prospects. Identifies customer needs and provides advice and guidance regarding financial solutions that are in the best interests of customers. Works collaboratively within the branch and with BMO partners to deliver the desired customer experience and achieve overall business objectives.

U.S. Only: This position will act as an originator of consumer loans as defined by Regulation Z, Regulation G, and the S.A.F.E. Act. This requires registration with the Nationwide Mortgage Licensing System and Registry. A criminal background review and credit history evaluation will be conducted, and restrictions on real estate agent capacity may apply.

1. Takes a proactive approach in engaging with existing customers and prospects, assessing needs to grow loyalty and identify opportunities.
2. Engages customers to complete needs assessments, identify financial solutions, and recommend tailored banking options including investments, lending, and home financing.
3. Advises clients on digital and self-serve banking options to enhance convenience.
4. Supports customer transactions and addresses questions to ensure compliance with legal and regulatory standards.
5. Builds relationships within the community to grow BMO’s business.
6. Ensures accurate data entry and lending recommendations, applying risk management principles to protect assets and maintain portfolio quality.
7. Makes credit recommendations for personal and home financing, adhering to sound credit principles and bank policies.
8. Works as part of a collaborative branch and market team.
9. Probes customer needs, integrating marketing promotions into conversations for strategic advice.
10. Organizes work to ensure accuracy and completeness, finding creative ways to personalize customer experiences.
11. Contributes to improving the overall branch customer experience and business results.
12. May work across multiple branches based on market needs with flexible schedules.
13. Follows risk, compliance, and legal requirements to safeguard assets and maintain privacy.
14. Maintains current knowledge of products, industry trends, and regulatory environment.
15. Identifies suspicious activity related to money laundering and reports as required.
16. Completes complex tasks within given rules, including handling escalations and analyzing issues for next steps.

Qualifications:

• Typically 2-3 years of relevant experience with a post-secondary degree or equivalent.
• Registration to sell investment products (Canada only).
• Lending qualifications and designations.
• Knowledge of personal and small business banking needs and solutions.
• Experience with retail investments, lending products, and financial services.
• Proficient with social media, tablets, smartphones, and online tools.
• Experience in customer service or sales with a focus on personal experience.
• Strong interpersonal, listening, problem-solving, and creative response skills.
• Good verbal and written communication, organization, collaboration, and analytical skills.

Salary:

$41,715.00 - $67,000.00

Pay Type:

Salaried, with potential for performance incentives, bonuses, and benefits as detailed on the BMO careers site.

About Us:

At BMO, our purpose is to create lasting, positive change for our customers, communities, and employees. We support your growth from day one with training, coaching, and development opportunities. Visit our careers page for more information.

BMO is an equal opportunity employer and values diversity. We accommodate applicants with disabilities throughout the employment process. Contact [e-mail] for accommodations.

Employment Details:

• Senior level: Not Applicable
• Employment type: Full-time
• Job function: Finance and Sales
• Industry: Banking