Retail Relationship Banker

Bank of Montreal; Irvine (CA); On-site; USD 45,000 - 74,000; Full time

Job summary

A leading financial institution seeks a Retail Relationship Banker in Irvine, CA. The role involves delivering exceptional service, conducting needs assessments, and collaborating with stakeholders to enhance the customer experience. Candidates should have 2-3 years of relevant experience and strong interpersonal skills to succeed in a dynamic environment.

Benefits

Health insurance

Tuition reimbursement

Retirement plans

Qualifications

• Typically 2-3 years of relevant experience with a focus on personalized service.
• Knowledge of personal and small business banking needs.
• Comfortable with digital tools and social media.

Responsibilities

• Proactively engage with customers to assess needs and recommend solutions.
• Advise clients on digital and self-serve banking.
• Make credit decisions for personal loans.

Skills

Interpersonal skills

Problem-solving skills

Customer service

Sales

Education

Post-secondary education

Lending qualifications

Job description

Retail Relationship Banker

Apply locations Irvine, CA, USA

time type Full time

posted on Posted 2 Days Ago

job requisition id R250012995

Application Deadline: 07/04/2025

Address: 18022 Culver Dr

Job Family Group: Retail Banking Sales & Service

Deliver exceptional service to BMO customers and prospects. Identify customer needs and provide advice on financial solutions that benefit customers. Collaborate within the branch and with BMO partners to enhance customer experience and meet business goals.

U.S. Only: This role involves originating consumer loans as per Regulation Z, Regulation G, and the S.A.F.E. Act, requiring Federal registration with the Nationwide Mortgage Licensing System. A criminal background check and credit review are mandatory, with restrictions on real estate agent activities.

• Proactively engage with existing and prospective customers to assess needs, foster loyalty, and uncover opportunities.
• Conduct needs assessments to recommend tailored solutions across banking, investments, lending, and small business services.
• Advise clients on digital and self-serve banking options to enhance convenience.
• Support customer transactions based on branch traffic.
• Expand BMO’s business by outreach, appointment setting, and community engagement.
• Address questions and resolve issues related to credit audits, data accuracy, and lending compliance.
• Apply risk management principles to safeguard assets and maintain portfolio quality.
• Make credit decisions for personal loans, including home financing, following sound principles and policies.
• Collaborate effectively within the branch and market team.
• Understand customer needs for banking and credit cards, integrating marketing strategies into conversations.
• Organize work to ensure accuracy and completeness.
• Innovate to personalize customer experiences.
• Contribute to overall branch success and customer satisfaction.
• Work across multiple branches as needed; schedule may vary.
• Follow risk and compliance policies to protect customer assets and privacy.
• Stay informed on financial market trends, regulations, and ethical standards.
• Maintain current knowledge of banking products and practices.
• Report suspicious activities related to money laundering.
• Comply with legal and regulatory requirements.
• Handle complex tasks and escalations within guidelines.
• Analyze issues and determine next steps.
• Perform additional duties as assigned.

Qualifications:

• Typically 2-3 years of relevant experience; post-secondary education desirable or equivalent experience.
• For Canada: Investment product registration completed, as applicable.
• Appropriate lending qualifications and designations.
• Knowledge of personal and small business banking needs and solutions.
• Experience with retail investments and lending products is an asset.
• Comfortable with social media, tablets, smartphones, and online tools.
• Experience in customer service or sales, with a focus on personalized service.
• Passionate about helping customers.
• Results-oriented with a team collaboration mindset.
• Resourceful, confident, and proactive in customer engagement.
• Strong interpersonal, listening, problem-solving, and adaptability skills.
• Excellent verbal and written communication.
• Organizational and team skills.
• Analytical and problem-solving skills.

Salary: $45,900.00 - $73,700.00

Pay Type: Salaried

Salaries vary based on location, skills, experience, and qualifications, and may include commissions. Benefits include health insurance, tuition reimbursement, and retirement plans. More info at: https://jobs.bmo.com/global/en/Total-Rewards

About Us:

At BMO, our purpose is to grow the good in business and life. We aim to create positive change for our customers, communities, and employees through innovation and transformation.

We value diversity and inclusion, offering equal employment opportunities and accommodations for disabilities. Contact us at [e-mail] for accommodations.

Visit http://jobs.bmo.com/us/en for more information.