Retail Relationship Banker

Bank of Montreal•Bend, WI

About The Position

The Retail Relationship Banker delivers exceptional service to BMO customers and prospects, identifies their needs, and provides guidance on financial solutions in their best interests. Working collaboratively with branch colleagues and BMO partners, the banker conducts needs-based assessments, builds customer loyalty, identifies opportunities, and recommends tailored banking, investment, lending, home-financing, and small-business solutions. The role also helps customers use digital and self-service banking options and supports transaction needs based on customer traffic. The banker grows business by reaching out to customers and prospects, generating appointments, and building community relationships. The role makes personal-lending and home-financing credit recommendations consistent with sound credit principles and Bank policies, manages risk and compliance requirements, and helps protect customer assets and privacy. Work may take place at multiple branches or through different channels according to market needs, and the schedule may vary from week to week in days, hours, and shifts. The position requires keeping current on banking products and practices, the financial-services marketplace, and applicable legal and regulatory requirements. It also involves identifying suspicious activity, maintaining accurate work information, resolving issues and escalations, and contributing to a collaborative team and ongoing improvements in customer experience. Broader 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.
Confident and experienced in using social media, tablets, smartphones, online tools, and applications.
Experience in a consultative customer service or sales role.
Commitment to helping customers and delivering a personal customer experience.
Ability to focus on results and thrive in a consultative sales and team-based environment.
Resourceful self-starter with confidence to approach customers.
Readiness to collaborate and work in different capacities as part of a team.
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 skills.
Good organization skills.
Good collaboration and teamwork skills.
Good analytical and problem-solving skills.
For Canada: Registration to sell investment products completed, as appropriate for the jurisdiction.
For U.S.: Federal registration with the Nationwide Mortgage Licensing System and Registry is required for consumer-loan origination duties; 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.
Post-secondary degree in a related field of study is desirable.

Responsibilities

Deliver exceptional service and provide advice and guidance on financial solutions suited to customer needs and best interests.
Conduct needs assessments and recommend tailored everyday banking, investment, lending, home-financing, and small-business solutions.
Help customers use digital and self-service banking options and support transaction needs according to customer traffic.
Proactively engage existing customers and prospects, generate appointments, and build relationships in the community.
Make credit recommendations for personal lending transactions, including home financing, in accordance with sound credit principles and Bank policies.
Apply the risk management framework to lending portfolios and protect the Bank’s assets while maintaining portfolio quality.
Address questions and resolve issues from consumer credit audits and quality checks; ensure accurate data entry and lending recommendations.
Follow risk, compliance, privacy, legal, and regulatory processes and policies; identify and report suspected money-laundering activity.
Keep current on personal banking products, practices, trends, and the wider financial-services and regulatory environment.
Integrate customer needs, marketing promotions, and programs into conversations to provide strategic advice.
Organize work information for accuracy and completeness, analyze issues, and determine next steps, including handling escalations where applicable.
Collaborate with branch and market teams and contribute to business results and improvements in customer experience.
Take measured, risk-informed actions aligned with business strategy, approved risk appetite, policies, and applicable laws and regulations.