Retail Relationship Banker

BMO Financial Group; Vacaville (CA); On-site; USD 41,000 - 67,000; Full time

Job summary

BMO Financial Group is seeking a consumer loan originator to deliver exceptional service and identify customer needs for financial solutions. This role involves engaging with customers, providing tailored advice, and ensuring compliance with regulations. The ideal candidate will have 2-3 years of relevant experience and strong interpersonal skills. Join a company committed to growth and innovation in the financial sector.

Benefits

Performance incentives

Health insurance

Tuition reimbursement

Retirement plans

Qualifications

• Typically 2-3 years of relevant experience.
• Lending qualifications and designations required.
• Financial services experience is an asset.

Responsibilities

• Engages customers to complete needs assessments and recommends tailored solutions.
• Builds new relationships through outreach and community engagement.
• Ensures compliance with legal and regulatory standards.

Skills

Interpersonal skills

Problem-solving skills

Adaptability

Communication skills

Education

Post-secondary education or equivalent experience

Tools

Social media

Online tools

Job description

Application Deadline:

06/01/2025

Address:

330 Davis St.

Job Family Group:

Retail Banking Sales & Service

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 position requires Federal registration with the Nationwide Mortgage Licensing System and Registry. The Bank will instruct you on registration requirements. A criminal background review and credit history evaluation will be required, along with restrictions on performing as a real estate agent.

• Takes a lead in proactively engaging with existing customers and prospects by providing needs-based assessments to grow loyalty and identify opportunities.
• Engages customers to complete needs assessments, identifying financial solutions and preferred banking channels, recommending tailored solutions including everyday banking, retail investments, lending solutions, home financing, and small business solutions.
• Offers advice on digital and self-serve options to enhance banking convenience.
• Supports customer transactions based on traffic flow.
• Builds new relationships through outreach, appointments, and community engagement.
• Addresses questions and resolves issues from credit audits and quality checks, ensuring compliance with legal and regulatory standards.
• Applies risk management principles to protect assets and maintain portfolio quality.
• Provides credit recommendations for personal and home financing loans, adhering to sound credit principles and policies.
• Collaborates effectively within the branch and market team.
• Understands customer needs and integrates marketing promotions into conversations.
• Organizes work information for accuracy and completeness.
• Finds creative ways to personalize customer experiences.
• Contributes to improving the branch customer experience and overall business results.
• May work across multiple branches with varying schedules.
• Follows risk and compliance policies to safeguard assets and privacy.
• Stays informed on marketplace trends, legal, regulatory, and ethical standards.
• Maintains knowledge of products and trends, integrating them into customer interactions.
• Identifies suspicious activities related to money laundering and reports accordingly.
• Ensures compliance with jurisdiction-specific legal and regulatory requirements.
• Handles complex tasks and escalations, analyzing issues to determine next steps.
• Additional responsibilities may be assigned as needed.

Qualifications:

• Typically 2-3 years of relevant experience and post-secondary education or equivalent experience.
• Canada: Registration to sell investment products completed, as appropriate.
• Lending qualifications and designations required.
• Knowledge of personal and small business customer needs, solutions, and retail investment and lending products.
• Financial services experience is an asset.
• 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 adaptability skills.
• Good verbal and written communication, organization, collaboration, and analytical skills.

Salary: $41,715.00 - $67,000.00

Pay Type: Salaried

Salaries vary based on location, skills, experience, education, and qualifications, and may include commissions. Part-time salaries are pro-rated. The listed salary is a target for the first year.

BMO offers a comprehensive total compensation package including performance incentives, bonuses, health insurance, tuition reimbursement, and retirement plans. More details are available at https://jobs.bmo.com/global/en/Total-Rewards.

About Us

At BMO, our Purpose is to "Boldly Grow the Good in business and life". We aim to create positive change for customers, communities, and employees through innovation and collaboration, transforming lives and powering economic growth worldwide.

We value our team members, providing tools and resources for growth and impact. From training to support and networking, we help you develop skills and broaden your experience. More information is available at http://jobs.bmo.com/us/en.

BMO is an equal opportunity employer. We evaluate applicants without regard to race, religion, color, national origin, sex, sexual orientation, gender identity, age, veteran status, disability, or other protected characteristics. We consider applicants with criminal histories in accordance with applicable laws.

We are committed to accommodations for individuals with disabilities. For assistance, contact [e-mail].

Note to Recruiters: BMO does not accept unsolicited resumes unless from direct candidates. Resumes sent unsolicited will be considered property of BMO and no fee will be paid for placements from such resumes. Valid agency agreements are required for submissions.