Retail Relationship Banker

BMO • Hubertus, WI

9d • $41,500 - $65,500

About The Position

The Retail Relationship Banker delivers exceptional service to BMO customers and prospects by identifying needs and providing guidance on financial solutions that serve customers’ best interests. The role works collaboratively with branch and market colleagues and BMO partners across channels to deliver a strong customer experience and achieve business objectives. It proactively engages existing customers and prospects, conducts needs assessments, recommends tailored banking, investment, lending, home financing, and small-business solutions, and helps customers use digital and self-service options. The position may work at multiple branches or through various channels based on market needs, and its schedule may vary from week to week in days, hours, and shifts.

The banker supports transactions, develops customer relationships in the community, makes personal lending credit recommendations, and helps grow business results. The role applies risk-management and compliance requirements to protect customer and bank assets, maintain privacy, and ensure sound lending practices. It also keeps current on financial products, market trends, and applicable legal and regulatory requirements.

For U.S. positions, the role originates consumer loans and requires federal registration with the Nationwide Mortgage Licensing System and Registry. A criminal background review and credit history evaluation are required, and restrictions apply to working as a real estate agent.

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.
• 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.
• Passionate commitment to helping customers and delivering a personal customer experience.
• Results focus and ability to 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, including the ability to build rapport and connections with customers.
• Ability to listen, solve problems, and 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 Canada, completion of investment-product sales registration, as appropriate for the jurisdiction.
• For the U.S., federal registration with the Nationwide Mortgage Licensing System and Registry is required; 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.
• Specialized knowledge.

Responsibilities

• Proactively engage existing customers and prospects through needs-based assessments to build loyalty and identify current and future opportunities.
• Recommend tailored solutions for customers’ banking, investment, lending, home-financing, and small-business needs.
• Advise customers on digital and self-service options to make banking easier, simpler, and faster.
• Support customer transactions based on branch traffic.
• Generate appointments and build new customer relationships within the community.
• Address questions and resolve issues raised through consumer credit audits and quality checks, ensuring accurate data entry and lending recommendations.
• Apply the risk-management framework to the lending portfolio and protect bank assets while maintaining portfolio quality and compliance.
• Make credit recommendations for personal lending transactions, including home financing, in line with credit principles and bank policies.
• Collaborate as a member of the branch and market team.
• Understand customers’ personal banking and credit-card needs and incorporate relevant promotions and programs into conversations.
• Organize work information to ensure accuracy and completeness.
• Find creative ways to personalize customer experiences and contribute to ongoing improvements in customer experience.
• 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 requirements, and personal banking products, practices, and trends.
• Identify and report suspicious activity patterns that may be related to money laundering.
• Protect bank assets and comply with applicable regulatory, legal, and ethical requirements.
• Complete complex and diverse tasks within established limits, including handling escalations from other employees, and analyze issues to determine next steps.
• Make sound, risk-informed decisions in line with the bank’s Risk Management Framework, Risk Culture, Risk Appetite, policies, laws, and regulations.

Benefits

• Health insurance
• Tuition reimbursement
• Accident insurance
• Life insurance
• Retirement savings plans
• May include performance-based incentives, discretionary bonuses, perks, and rewards, depending on pay type.

What This Job Offers

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