Retail Relationship Banker

Bank of Montreal • Denver, CO

8d

About The Position

The Retail Relationship Banker delivers exceptional service to BMO customers and prospects, identifies their financial needs, and provides advice and guidance on suitable banking solutions. Working collaboratively with branch colleagues and BMO partners, the banker builds customer loyalty, develops relationships in the community, and contributes to branch and market business objectives. The role conducts needs-based assessments and recommends tailored everyday banking, investment, lending, home-financing, and small-business solutions. It also helps customers use digital and self-service banking options and supports transaction needs based on customer traffic.

The banker supports responsible lending and risk management by making personal lending recommendations, maintaining accurate application information, following regulatory and bank policies, and protecting customer and bank assets. The role may involve working at multiple branches or through different channels. Work schedules may vary from week to week in days, hours, and shifts. The position requires keeping current with banking products, marketplace developments, and applicable legal and regulatory requirements, including identifying and reporting suspicious activity.

The position typically calls for 2–3 years of relevant experience and a post-secondary degree in a related field, or an equivalent combination of education and experience. The posting describes a salaried pay range of $43,000–$75,000; compensation may vary and may include commission or other incentives. BMO also mentions health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans.

Requirements

• Typically 2–3 years of relevant experience.
• Post-secondary degree in a related field is desirable, or an equivalent combination of education and experience.
• Appropriate lending qualifications and designations.
• Working knowledge of personal and small-business customer needs and solutions.
• Working knowledge of retail investment and lending products.
• Experience in a consultative customer service or sales role and a drive to deliver a personal customer experience.
• Confident and experienced use of social media, tablets, smartphones, online tools, and applications.
• Strong interpersonal skills and ability to build rapport and connections with customers.
• Listening, problem-solving, and flexibility in responding creatively to new challenges.
• Good verbal and written communication, organization, collaboration and teamwork, analytical, and problem-solving skills.
• Ability to thrive in a consultative sales and team-based environment; resourcefulness and confidence approaching customers.
• For U.S. positions: Federal registration with the Nationwide Mortgage Licensing System and Registry is required for consumer-loan origination; a criminal background review and credit history evaluation are required, and restrictions apply to working as a real estate agent.
• For Canada positions: Registration to sell investment products must be completed, as appropriate for the jurisdiction.

Nice To Haves

• Experience in financial services is an asset.
• Post-secondary degree in a related field of study.

Responsibilities

• Deliver exceptional service to customers and prospects and provide advice on financial solutions suited to their needs.
• Conduct needs-based assessments and recommend tailored banking, investment, lending, home-financing, and small-business solutions.
• Explain and promote digital and self-service banking options, and support customer transaction needs based on traffic.
• Proactively contact customers and prospects, generate appointments, and build relationships in the community.
• Make credit recommendations for personal lending transactions, including home financing, in accordance with lending policies and sound credit principles.
• Address questions and resolve issues raised through consumer credit audits and quality checks; ensure accurate data entry and lending recommendations.
• Apply the risk management framework to lending and other work, protecting bank assets and maintaining portfolio quality.
• Collaborate with branch and market teams and contribute to business results and improvements in the customer experience.
• Integrate marketing promotions and programs into customer conversations and maintain current knowledge of banking products and trends.
• Follow risk, compliance, privacy, legal, regulatory, and ethical requirements; identify and report suspicious activity potentially related to money laundering.
• Organize work information for accuracy and completeness, analyze issues, and determine next steps, including handling escalations as appropriate.
• Work across multiple branches or channels as needed, with a schedule that may vary by week.

Benefits

• Health insurance
• Tuition reimbursement
• Accident insurance
• Life insurance
• Retirement savings plans
• Performance-based incentives, discretionary bonuses, and other perks or rewards may be included in total compensation.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: No Education Listed