Retail Relationship Banker

Bank of Montreal•HB Fruita, CO

About The Position

The Retail Relationship Banker delivers exceptional service to BMO customers and prospects by identifying their needs and providing advice on financial solutions that are in their best interests. Working collaboratively within the branch and with BMO partners across channels, this role contributes to the desired customer experience and business objectives. The banker proactively engages customers and prospects through needs-based assessments, recommends tailored solutions for banking, investments, lending, home financing, and small business needs, and helps customers use digital and self-service options. The position also supports customer transactions according to traffic and builds relationships in the community through outreach and appointments. The role makes personal lending credit recommendations, including for home financing, and follows lending policies, risk guidelines, and applicable legal and regulatory requirements. It supports accurate lending applications and data entry, protects customer and bank assets, and identifies suspicious activity that may relate to money laundering. The banker keeps current on personal banking products and practices, financial services developments, and regulatory requirements; contributes to improvements in the customer experience; and completes complex tasks, analyzes issues, and determines next steps. Work may take place at multiple branches or through various channels, and the schedule may vary from week to week in days, hours, and shifts. BMO describes its purpose as boldly growing the good in business and life, creating positive change for customers, communities, and employees. The company offers training, coaching, manager support, and networking opportunities, and is an equal employment opportunity employer that provides reasonable accommodations to individuals with disabilities.

Requirements

Typically 2–3 years of relevant experience.
A post-secondary degree in a related field is desirable, or an equivalent combination of education and experience.
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 the ability to deliver a personal customer experience.
Confident and experienced use of 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.
Results focus and ability to thrive in a consultative sales and team-based environment.
Resourcefulness and confidence approaching customers, along with readiness to collaborate in different team capacities.
Good verbal and written communication, organization, collaboration and teamwork, analytical, and problem-solving skills.
Canada only: Registration to sell investment products, as appropriate for the jurisdiction, and appropriate lending qualifications and designations.
U.S. only: Federal registration with the Nationwide Mortgage Licensing System and Registry is required for originating consumer loans; a criminal background review and credit history evaluation are also required, and restrictions apply to performing in a real estate agent capacity.

Nice To Haves

Experience in financial services is an asset.

Responsibilities

Proactively engage existing customers and prospects, conduct needs-based assessments, and recommend tailored banking, investment, lending, home-financing, and small-business solutions.
Advise customers on digital and self-service banking options and support transactions based on customer traffic.
Generate appointments, reach out to prospective customers, and build new relationships in the community.
Make credit recommendations for personal lending transactions, including home financing, in accordance with sound credit principles and bank policies.
Address issues raised through consumer credit audits and quality checks, ensuring accurate data entry and lending recommendations that comply with applicable requirements and processes.
Apply the risk management framework to protect bank assets and maintain lending portfolio quality within established guidelines and risk appetite.
Integrate marketing promotions and programs into customer conversations and provide strategic advice on personal banking and credit card needs.
Organize work information accurately and completely, analyze issues, handle complex tasks and escalations, and determine appropriate next steps.
Follow risk, compliance, privacy, legal, regulatory, and ethical policies; identify and report suspicious activity potentially related to money laundering.
Maintain current knowledge of personal banking products, practices, trends, and the wider financial services and regulatory environment.
Collaborate with branch and market teams, contribute to business results, and identify ways to improve the customer experience.
Work across multiple branches or channels as market needs require.