Retail Relationship Banker
BMO U.S., Santa Barbara, CA, United States
Responsibilities
Lead proactive engagement with existing customers and prospects by providing needs‑based assessments to grow loyalty and identify immediate/future opportunities.
Engage customers to complete needs assessments that identify financial solutions and preferred banking channels, recommending tailored solutions for sales and service needs (e.g., everyday banking, retail investments, lending solutions, home financing, small business solutions).
Offer clients advice and guidance on available digital and self‑serve options to make banking easy, simple, and fast.
Support customer transaction needs based on customer traffic.
Generate appointments and build new relationships within the community to grow BMO’s business.
Address questions and resolve issues raised through consumer credit audits and quality checks, ensuring accurate data entry and lending application recommendations in compliance with legal, regulatory, and lending policy requirements.
Apply the risk management framework to the portfolio to protect the bank’s assets and maintain the quality of the lending portfolio, complying with yield, quality, diversification, and risk guidelines.
Make credit recommendations for personal lending transactions, including home financing, following sound credit granting principles and bank policies.
Act as a key member of a collaborative and versatile branch and market team.
Probe to understand customers’ personal banking and credit card needs, integrating marketing promotions and programs into conversations for strategic advice.
Organize work information to ensure accuracy and completeness.
Take initiative to find creative approaches that personalize each customer’s experience.
Seek ways to contribute to ongoing improvement of the overall customer experience.
Contribute to business results and the overall experience delivered.
May work at multiple branches or via various channels, with work schedule varying week to week in terms of days, hours, and shifts.
Follow through on risk and compliance processes and policies to safeguard customers’ assets, maintain privacy, and act in their best interest.
Stay current with the wider financial services marketplace, the legal and regulatory environment, and BMO’s commitment to uphold the highest ethical requirements.
Maintain current knowledge of personal banking products, practices, and trends, integrating them into customer conversations.
Identify and report suspicious activity patterns suspected to be related to money laundering.
Comply with legal and regulatory requirements for the jurisdiction.
Protect the bank’s assets in compliance with all regulatory, legal, and ethical requirements.
Complete complex and diverse tasks within given rules/limits, which may include handling escalations from other employees.
Analyze issues and determine next steps.
Take measured risks while protecting the bank by applying the Risk Management Framework in line with risk culture and approved risk appetite, making sound risk‑informed decisions that align with business strategy and adhere to applicable policies, laws, and regulations.
Qualifications
Typically 2–3 years of relevant experience and a post‑secondary degree in a related field, or an equivalent combination of education and experience.
Canada: Registration to sell investment products completed as appropriate for the jurisdiction.
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.
Proficient in using social media, tablets, smartphones, online tools, and applications.
Experience in a consultative customer service or sales role, with a drive to deliver a personal customer experience.
Passionate commitment to helping customers.
Drive to deliver a personal customer experience.
Focus on results and ability to thrive in a consultative sales and team‑based environment.
Resourceful self‑starter with courage and confidence to approach customers.
Readiness to collaborate and work in different capacities as part of a team.
Strong interpersonal skills, including ability to build rapport and connections with customers.
Aptitude for listening, solving problems, and responding flexibly and creatively to new challenges.
Specialized knowledge.
Verbal & written communication skills – Good.
Organization skills – Good.
Collaboration & team skills – Good.
Analytical and problem‑solving skills – Good.
U.S. Only: Must act as an originator of consumer loans as defined by Regulation Z, Regulation G, and the Secure and Fair Enforcement for Mortgage Licensing Act (the S.A.F.E. Act). Requires a federal registration with the Nationwide Mortgage Licensing System and Registry; a criminal background review and credit history evaluation will be required.
Salary and Pay Type $41,714.00 – $69,000.00
Salaried
Benefits and Compensation Health insurance, tuition reimbursement, accident and life insurance, retirement savings plans, performance‑based incentives, discretionary bonuses, and other perks and rewards.
About BMO At BMO we are driven by a shared Purpose: Boldly Grow the Good in business and life. We work together, innovate, and push boundaries to transform lives and businesses, powering economic growth worldwide.
Equal Opportunity Employer BMO is a proud equal employment opportunity employer. We evaluate applicants without regard to race, religion, color, national origin, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, transgender status, sexual stereotypes, age, status as a protected veteran, status as an individual with a disability, or any other legally protected characteristics. We also consider applicants with criminal histories, consistent with applicable federal, state, and local law. BMO is committed to providing reasonable accommodations to individuals with disabilities.
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Lead proactive engagement with existing customers and prospects by providing needs‑based assessments to grow loyalty and identify immediate/future opportunities.
Engage customers to complete needs assessments that identify financial solutions and preferred banking channels, recommending tailored solutions for sales and service needs (e.g., everyday banking, retail investments, lending solutions, home financing, small business solutions).
Offer clients advice and guidance on available digital and self‑serve options to make banking easy, simple, and fast.
Support customer transaction needs based on customer traffic.
Generate appointments and build new relationships within the community to grow BMO’s business.
Address questions and resolve issues raised through consumer credit audits and quality checks, ensuring accurate data entry and lending application recommendations in compliance with legal, regulatory, and lending policy requirements.
Apply the risk management framework to the portfolio to protect the bank’s assets and maintain the quality of the lending portfolio, complying with yield, quality, diversification, and risk guidelines.
Make credit recommendations for personal lending transactions, including home financing, following sound credit granting principles and bank policies.
Act as a key member of a collaborative and versatile branch and market team.
Probe to understand customers’ personal banking and credit card needs, integrating marketing promotions and programs into conversations for strategic advice.
Organize work information to ensure accuracy and completeness.
Take initiative to find creative approaches that personalize each customer’s experience.
Seek ways to contribute to ongoing improvement of the overall customer experience.
Contribute to business results and the overall experience delivered.
May work at multiple branches or via various channels, with work schedule varying week to week in terms of days, hours, and shifts.
Follow through on risk and compliance processes and policies to safeguard customers’ assets, maintain privacy, and act in their best interest.
Stay current with the wider financial services marketplace, the legal and regulatory environment, and BMO’s commitment to uphold the highest ethical requirements.
Maintain current knowledge of personal banking products, practices, and trends, integrating them into customer conversations.
Identify and report suspicious activity patterns suspected to be related to money laundering.
Comply with legal and regulatory requirements for the jurisdiction.
Protect the bank’s assets in compliance with all regulatory, legal, and ethical requirements.
Complete complex and diverse tasks within given rules/limits, which may include handling escalations from other employees.
Analyze issues and determine next steps.
Take measured risks while protecting the bank by applying the Risk Management Framework in line with risk culture and approved risk appetite, making sound risk‑informed decisions that align with business strategy and adhere to applicable policies, laws, and regulations.
Qualifications
Typically 2–3 years of relevant experience and a post‑secondary degree in a related field, or an equivalent combination of education and experience.
Canada: Registration to sell investment products completed as appropriate for the jurisdiction.
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.
Proficient in using social media, tablets, smartphones, online tools, and applications.
Experience in a consultative customer service or sales role, with a drive to deliver a personal customer experience.
Passionate commitment to helping customers.
Drive to deliver a personal customer experience.
Focus on results and ability to thrive in a consultative sales and team‑based environment.
Resourceful self‑starter with courage and confidence to approach customers.
Readiness to collaborate and work in different capacities as part of a team.
Strong interpersonal skills, including ability to build rapport and connections with customers.
Aptitude for listening, solving problems, and responding flexibly and creatively to new challenges.
Specialized knowledge.
Verbal & written communication skills – Good.
Organization skills – Good.
Collaboration & team skills – Good.
Analytical and problem‑solving skills – Good.
U.S. Only: Must act as an originator of consumer loans as defined by Regulation Z, Regulation G, and the Secure and Fair Enforcement for Mortgage Licensing Act (the S.A.F.E. Act). Requires a federal registration with the Nationwide Mortgage Licensing System and Registry; a criminal background review and credit history evaluation will be required.
Salary and Pay Type $41,714.00 – $69,000.00
Salaried
Benefits and Compensation Health insurance, tuition reimbursement, accident and life insurance, retirement savings plans, performance‑based incentives, discretionary bonuses, and other perks and rewards.
About BMO At BMO we are driven by a shared Purpose: Boldly Grow the Good in business and life. We work together, innovate, and push boundaries to transform lives and businesses, powering economic growth worldwide.
Equal Opportunity Employer BMO is a proud equal employment opportunity employer. We evaluate applicants without regard to race, religion, color, national origin, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, transgender status, sexual stereotypes, age, status as a protected veteran, status as an individual with a disability, or any other legally protected characteristics. We also consider applicants with criminal histories, consistent with applicable federal, state, and local law. BMO is committed to providing reasonable accommodations to individuals with disabilities.
#J-18808-Ljbffr