Retail Relationship Banker

Bank of Montreal • Milwaukee, WI

5d • $41,500 - $65,500

About The Position

Delivers exceptional service to BMO customers and prospects by identifying their needs and providing advice and guidance on financial solutions that are in their best interests. Works collaboratively within the branch and with BMO partners across channels to provide a strong customer experience and achieve business objectives. Proactively engages existing customers and prospects through needs-based assessments, building loyalty and identifying immediate and future opportunities. Recommends tailored solutions covering everyday banking, retail investments, lending, home financing (including business-for-self applications), and small business needs, and helps customers use digital and self-service banking options. Supports customer transactions according to branch traffic and grows business by generating appointments and building community relationships.

The role addresses questions and issues identified through consumer credit audits and quality checks, ensuring accurate data entry and lending recommendations that comply with applicable policies and regulations. It applies the risk management framework to protect bank assets and maintain lending portfolio quality, and makes personal lending credit recommendations, including for home financing, in accordance with sound credit principles and bank policies. The banker contributes to a collaborative branch and market team, provides strategic advice informed by customer needs and relevant promotions, and seeks creative ways to personalize and improve the customer experience.

The role may involve working at multiple branches or through different channels. The schedule may vary from week to week in days, hours, and shifts. The banker follows risk and compliance processes, protects customer assets and privacy, maintains current knowledge of financial services, personal banking products, practices, and trends, and identifies suspected money-laundering activity. Additional work or accountabilities may be assigned as needed.

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.
• Registration to sell investment products, as appropriate for the jurisdiction (Canada only).
• Appropriate lending qualifications and designations.
• Working knowledge of personal and small business customer needs and solutions.
• Working knowledge of retail investments and lending products.
• Confident and experienced use of social media, tablets, smartphones, online tools, and applications.
• Experience in a consultative customer service or sales role and a drive to deliver a personal customer experience.
• Commitment to helping customers and focus on results in a consultative sales and team-based environment.
• Resourcefulness and confidence in approaching customers.
• Ability 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.
• Listening, problem-solving, and ability to respond flexibly and creatively to new challenges.
• Good verbal and written communication skills.
• Good organization skills.
• Good collaboration and teamwork skills.
• Good analytical and problem-solving skills.
• For U.S. roles, federal registration with the Nationwide Mortgage Licensing System and Registry is required; the bank will provide instructions on registration requirements.
• For U.S. roles, a criminal background review and credit history evaluation are required, and restrictions apply to performing in a real estate agent capacity.

Nice To Haves

• Experience in financial services is an asset.

Responsibilities

• Deliver exceptional service to customers and prospects and provide needs-based financial advice.
• Assess customer needs and recommend tailored banking, investment, lending, home financing, and small business solutions.
• Explain digital and self-service banking options and support customer transactions based on customer traffic.
• Proactively contact customers and prospects, generate appointments, and build relationships in the community.
• Address questions and resolve issues raised through credit audits and quality checks, ensuring accurate records and compliant lending recommendations.
• Apply the risk management framework to protect bank assets and maintain the quality of the lending portfolio.
• Make credit recommendations for personal lending transactions, including home financing, in accordance with sound credit principles and bank policies.
• Collaborate with branch, market, and other BMO teams to achieve business results and provide a strong customer experience.
• Integrate relevant marketing promotions and programs into customer conversations and provide strategic advice.
• Organize work information accurately and completely, and seek creative ways to personalize and improve customer experiences.
• Follow risk and compliance processes and policies to safeguard customer assets, protect privacy, and act in customers’ best interests.
• Maintain current knowledge of the financial services marketplace, legal and regulatory environment, and personal banking products, practices, and trends.
• Identify and report suspicious activity suspected to be related to money laundering.
• Complete complex and diverse tasks within established rules and limits, analyze issues, and determine next steps.
• Make sound, risk-informed decisions aligned with business strategy, approved risk appetite, policies, laws, and regulations.

Benefits

• Health insurance
• Tuition reimbursement
• Accident insurance
• Life insurance
• Retirement savings plans
• Performance-based incentives, discretionary bonuses, and other perks and rewards may be included in the total compensation package.
• In-depth training and coaching, manager support, and network-building opportunities

What This Job Offers

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