Retail Relationship Banker
Company: Bank of Montreal
Location: Los Altos
Posted on: September 21, 2023
Job Description:
Retail Relationship Banker page is loaded Retail Relationship
Banker Apply locations Los Altos, CA, USA time type Part time
posted on Posted Yesterday job requisition id R231067900
Application Deadline: 09/17/2023Address:176 Main St.Job Family
Group:Retail Banking Sales & ServiceDelivers 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.Compensation and
Benefits:$34,900.00 - $49,850.00The base salary represents BMO
Financial Group's hiring range for this position. Actual salaries
will vary and will be based on various factors, such as location,
skills, experience, and qualification for the role. Salaries for
part-time roles will be pro-rated based on number of hours
regularly worked.Base salary is one component of BMO Financial
Group's total compensation package for employees, which may include
performance-based incentives, commissions or 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: www.bmousbenefits.com .We'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 http://jobs.bmo.com/us/en BMO
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. About Us BMO is a
leading bank driven by a single purpose: to Boldly Grow the Good in
business and life. Everywhere we do business, we're focused on
building, investing and transforming how we work to drive
performance and continue growing the good.Who we areWe're proud to
be fueling growth and expanding possibilities for individuals,
families and businesses. More than 12 million customers count on us
for personal and commercial banking, wealth management and
investment services. As the 8th largest bank in North America by
assets, we provide personal and commercial banking, wealth
management and investment services to more than 12 million
customers. In Canada, the United States and across the globe, we'll
continue to build, invest and transform to drive performance that
serves the good that grows.
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Keywords: Bank of Montreal, San Francisco , Retail Relationship Banker, Hospitality & Tourism , Los Altos, California
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