Retail Relationship Banker

Bank of Montreal•HB Ellenton, FL

About The Position

Delivers exceptional service to BMO customers and prospects by identifying their needs and providing advice and guidance on financial solutions in their best interests. Works collaboratively with branch colleagues and BMO partners across channels to create a positive customer experience and meet business objectives. Proactively engages existing customers and prospects through needs-based assessments, tailored recommendations, outreach, appointments, and relationship building in the community. Supports customer transactions according to branch traffic and helps customers use digital and self-service banking options. The role recommends and supports solutions across everyday banking, retail investments, lending, home financing, and small business banking. It makes personal lending credit recommendations, including home financing, in line with sound credit principles and bank policies. The banker applies risk management practices, protects customer privacy and bank assets, follows regulatory and compliance requirements, and identifies suspicious activity that may relate to money laundering. The role may involve working across multiple branches or channels, with schedules that can vary from week to week. Additional work or accountabilities may be assigned as needed.

Requirements

Typically 2–3 years of relevant experience and a post-secondary degree in a related field, 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 commitment to delivering a personal customer experience.
Comfort and experience using social media, tablets, smartphones, online tools, and applications.
Strong interpersonal skills and the ability to build rapport and connections with customers.
Ability to listen, solve problems, and respond flexibly and creatively to new challenges.
Ability to focus on results and thrive in a consultative sales and team-based environment.
Resourcefulness, initiative, courage, and confidence in approaching customers.
Readiness to collaborate and work in different capacities as part of a team.
Good verbal and written communication skills.
Good organization skills.
Good collaboration and teamwork skills.
Good analytical and problem-solving skills.
For Canada positions, registration to sell investment products must be completed where appropriate for the jurisdiction.
For U.S. positions, the role requires Federal registration with the Nationwide Mortgage Licensing System and Registry; the bank will provide instructions on registration requirements. 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

Engage customers and prospects proactively, assess their financial needs, and recommend tailored banking, investment, lending, home financing, and small business solutions.
Build customer loyalty and relationships through outreach, appointment generation, and community engagement.
Support customer transactions in response to customer traffic and guide customers toward digital and self-service banking options.
Integrate relevant marketing promotions and programs into customer conversations and provide strategic advice.
Make credit recommendations for personal lending transactions, including home financing, in accordance with sound credit principles and bank policies.
Address questions and resolve issues from consumer credit audits and quality checks, ensuring accurate data entry and compliant lending recommendations.
Apply risk management practices to protect bank assets and maintain lending portfolio quality in accordance with applicable guidelines and requirements.
Follow risk, compliance, privacy, legal, regulatory, and ethical policies and procedures; identify and report suspicious activity suspected to relate to money laundering.
Maintain current knowledge of personal banking products, practices, trends, the financial services marketplace, and the legal and regulatory environment.
Organize work information accurately and completely, analyze issues, determine next steps, and handle escalations when needed.
Collaborate with branch and market teams, contribute to business results, and identify creative ways to improve the customer experience.
Work at multiple branches or through various channels as market needs require; schedules may vary in days, hours, and shifts.