RETAIL RELATIONSHIP BANKER
Company: BMO Financial Group
Location: Los Angeles
Posted on: September 13, 2024
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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 Secure and Fair Enforcement for Mortgage Licensing Act
(the S.A.F.E. Act). This position will require a Federal
registration with the Nationwide Mortgage Licensing System and
Registry. The Bank will instruct you on the registration
requirements needed to comply with this requirement. A criminal
background review and credit history evaluation will be required
for this position as well as restrictions on performing in a real
estate agent capacity.Takes a lead in proactively engaging with
existing customers and prospects by providing needs-based
assessments to grow loyalty and identify immediate / future
opportunities.Engages customers to complete needs assessments that
identify financial solutions and preferred banking channels while
recommending tailored solutions addressing both sales and service
needs (e.g. everyday banking, retail investments, lending
solutions, home financing (including business-for-self
applications)), and small business solutions).Offers clients advice
and guidance on available digital and self-serve options with the
goal of making banking easy, simple, and fast.Supports customer
transactions needs based on customer traffic.Engages customers to
grow BMO's business by reaching out, generating appointments, and
building new relationships within the community.Addresses questions
and resolves issues raised through consumer credit audits and
quality checks to ensure accurate data entry and lending
application recommendations in compliance with legal and regulatory
requirements and lending policies and processes.Applies the risk
management framework to the portfolio to protect the Bank's assets
and maintain the quality of the lending portfolio in compliance
with requirements for the lending process and established yield,
quality, diversification, and risk guidelines.Makes credit
recommendations for personal lending transactions, including home
financing, in accordance with sound credit granting principles and
with the Bank's policies and procedures.Acts as a key member of a
collaborative and versatile branch and market team.Probes to
understand customer personal banking and credit card needs and
integrates marketing promotions and programs into customer
conversations to provide strategic advice.Organizes work
information to ensure accuracy and completeness.Takes the
initiative to find creative approaches that make each customer's
experience feel personal.Looks for ways to contribute to the
ongoing improvement of the overall branch customer
experience.Contributes to business results and the overall
experience delivered in the branch.May work at multiple branches
based on market needs; work schedule may differ from week to week
in terms of days worked, hours, and shifts.Follows through on risk
and compliance processes and policies to ensure we safeguard our
customers' assets, maintain their privacy, and act in their best
interest.Keeps current with the wider financial services
marketplace, the legal and regulatory environment, and our
commitment to uphold the highest ethical requirements of our
industry.Maintains current knowledge of personal banking products,
practices, and trends and integrates into customer
conversations.Identifies and reports suspicious patterns of
activity that are suspected to be related to money
laundering.Complies with legal and regulatory requirements for the
jurisdiction.Protects the Bank's assets in compliance with all
regulatory, legal, and ethical requirements.Completes complex &
diverse tasks within given rules/limits and may include handling
escalations from other employees.Analyzes issues and determines
next steps.Broader work or accountabilities may be assigned as
needed. Qualifications:Typically between 2 - 3 years of relevant
experience and post-secondary degree in related field of study
desirable or an equivalent combination of education and
experience.Canada only: 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.Confident and experienced in the use of social
media, tablets, Smart phones, 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 our customers.Drive to
deliver a personal customer experience.A focus on results and the
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
the ability to build rapport and connections with customers.An
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.Salary:$41,715.00 - $67,000.00Pay
Type:SalariedThe above represents BMO Financial Group's pay range
and type.Salaries will vary based on factors such as location,
skills, experience, education, and qualifications for the role, and
may include a commission structure. Salaries for part-time roles
will be pro-rated based on number of hours regularly worked. For
commission roles, the salary listed above represents BMO Financial
Group's expected target for the first year in this position.BMO
Financial Group's total compensation package will vary based on the
pay type of the position and may include performance-based
incentives, discretionary bonuses, as well as other perks and
rewards. BMO also offers health insurance, tuition reimbursement,
accident and life insurance, and retirement savings plans. To view
more details of our benefits, please visit:
https://jobs.bmo.com/global/en/Total-RewardsWe're here to helpAt
BMO we are driven by a shared Purpose: Boldly Grow the Good in
business and life. It calls on us to create lasting, positive
change for our customers, our communities and our people. By
working together, innovating and pushing boundaries, we transform
lives and businesses, and power economic growth around the world.As
a member of the BMO team you are valued, respected and heard, and
you have more ways to grow and make an impact. We strive to help
you make an impact from day one - for yourself and our customers.
We'll support you with the tools and resources you need to reach
new milestones, as you help our customers reach theirs. From
in-depth training and coaching, to manager support and
network-building opportunities, we'll help you gain valuable
experience, and broaden your skillset.To find out more visit us at
https://jobs.bmo.com/us/enBMO is committed to an inclusive,
equitable and accessible workplace. By learning from each other's
differences, we gain strength through our people and our
perspectives. BMO is an equal opportunity/affirmative action
employer. All qualified applicants will receive consideration for
employment without regard to sex, gender identity, sexual
orientation, race, color, religion, national origin, disability,
protected Veteran status, age, or any other characteristic
protected by law. Accommodations are available on request for
candidates taking part in all aspects of the selection process. To
request accommodation, please contact your recruiter.Note to
Recruiters: BMO does not accept unsolicited resumes from any source
other than directly from a candidate. Any unsolicited resumes sent
to BMO, directly or indirectly, will be considered BMO property.
BMO will not pay a fee for any placement resulting from the receipt
of an unsolicited resume. A recruiting agency must first have a
valid, written and fully executed agency agreement contract for
service to submit resumes.
Keywords: BMO Financial Group, Lynwood , RETAIL RELATIONSHIP BANKER, Hospitality & Tourism , Los Angeles, California
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