Retail Relationship Banker

BMO Financial Group; San Lorenzo (CA); On-site; USD 45,000 - 74,000; Full time

Job summary

A leading financial institution seeks a motivated individual to enhance customer experiences by providing tailored financial solutions. The role involves engaging with clients, ensuring compliance, and contributing to branch success. Ideal candidates will have strong interpersonal skills and relevant experience in financial services. Join a team focused on positive change and growth.

Benefits

Comprehensive training

Support and benefits

Potential bonuses

Qualifications

• Typically 2-3 years of relevant experience.
• Knowledge of personal and small business customer needs.

Responsibilities

• Engage with customers to provide needs-based assessments.
• Ensure compliance with legal and regulatory requirements.
• Collaborate as a key member of the branch team.

Skills

Customer service

Problem-solving

Interpersonal skills

Communication

Education

Post-secondary degree

Tools

Online tools

Tablets

Smartphones

Job description

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. Requires Federal registration with the Nationwide Mortgage Licensing System and Registry. A criminal background review and credit history evaluation will be conducted, along with restrictions on performing in a real estate agent capacity.

Responsibilities

1. Proactively engage with existing customers and prospects by providing needs-based assessments to grow loyalty and identify opportunities.
2. Complete needs assessments to identify financial solutions and recommend tailored solutions addressing sales and service needs.
3. Advise clients on digital and self-serve options to enhance banking convenience.
4. Support customer transactions based on traffic and needs.
5. Grow BMO’s business through outreach, appointments, and community relationship-building.
6. Ensure compliance with legal and regulatory requirements during credit audits and quality checks.
7. Apply risk management frameworks to protect assets and maintain portfolio quality.
8. Make credit recommendations for personal lending, including home financing.
9. Collaborate as a key member of the branch and market team.
10. Understand customer banking and credit card needs, integrating marketing strategies into conversations.
11. Organize work information for accuracy and completeness.
12. Innovate to personalize customer experiences and improve branch operations.
13. Contribute to business results and overall branch experience.
14. Work at multiple branches as needed; schedule may vary.
15. Follow risk and compliance policies to safeguard assets and privacy.
16. Stay informed on market trends, regulations, and ethical standards.
17. Maintain knowledge of banking products and practices.
18. Report suspicious activity related to money laundering.
19. Comply with jurisdictional legal and regulatory standards.
20. Handle complex tasks and escalations as needed.
21. Perform additional duties as assigned.

Qualifications

• Typically 2-3 years of relevant experience; post-secondary degree preferred.
• Canada-specific: Investment product registration completed.
• Lending qualifications and designations.
• Knowledge of personal and small business customer needs and solutions.
• Experience with retail investments and lending products.
• Financial services experience is advantageous.
• Proficient with social media, tablets, smartphones, and online tools.
• Customer service or sales experience with a personal touch.
• Strong interpersonal, listening, problem-solving, and creative response skills.
• Good verbal and written communication, organization, collaboration, and analytical skills.

Additional Information

Salary range: $45,900 - $73,700; pay type: salaried, with potential bonuses and benefits. Application deadline: 06/01/2025. Location: 17833 Hesperian Blvd.

About BMO: Driven by Purpose to grow good in business and life, fostering positive change and growth. Offers comprehensive training, support, and benefits.