Retail Relationship Banker

BMO•Milwaukee, WI

2d•$41,500 - $65,500

About The Position

The Retail Relationship Banker delivers service and financial guidance to BMO customers and prospects, identifying their needs and recommending solutions in the customers’ best interests. The role works collaboratively within branches and across channels to provide a strong customer experience and meet business objectives. It involves conducting needs assessments, building customer relationships, supporting transactions, and recommending everyday banking, investment, lending, home-financing, and small-business solutions. The banker also helps customers use digital and self-service options and may work at multiple branches or through different channels according to market needs, with a schedule that may vary from week to week. The position supports responsible lending and risk management by making personal lending credit recommendations, following compliance and risk processes, protecting customer information and bank assets, and identifying suspicious activity. It also contributes to branch and market results, maintains current knowledge of banking products and the financial-services environment, and works with colleagues to improve the customer experience.

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.
Appropriate lending qualifications and designations.
Working knowledge of personal and small-business customer needs and solutions.
Working knowledge of retail investments and lending products.
Experience in a consultative customer service or sales role and a drive to deliver a personal customer experience.
Commitment to helping customers and a focus on results in a consultative, team-based environment.
Confidence and resourcefulness in approaching customers.
Readiness to collaborate and work in different capacities as part of a team.
Strong interpersonal skills and the ability to build rapport and connections with customers.
Listening, problem-solving, and flexible, creative responses to new challenges.
Good verbal and written communication skills.
Good organization skills.
Good collaboration and teamwork skills.
Good analytical and problem-solving skills.
Confidence and experience using social media, tablets, smartphones, online tools, and applications.
Canada only: Registration to sell investment products, as appropriate for the jurisdiction.
U.S. only: Federal registration with the Nationwide Mortgage Licensing System and Registry is required for consumer-loan origination; a criminal background review and credit history evaluation are also required, along with restrictions on working as a real estate agent.

Nice To Haves

Experience in financial services.

Responsibilities

Proactively engage existing customers and prospects, conduct needs-based assessments, and identify opportunities to grow loyalty and business.
Recommend tailored banking, investment, lending, home-financing, and small-business solutions that address customers’ needs.
Advise customers on digital and self-service options.
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 compliant lending recommendations.
Apply the risk management framework to lending portfolios and protect bank assets.
Make credit recommendations for personal lending transactions, including home financing, in accordance with credit principles and bank policies.
Collaborate as a member of the branch and market team.
Integrate relevant marketing promotions and programs into customer conversations.
Organize work information to ensure accuracy and completeness.
Find creative ways to personalize customer experiences and contribute to continuous improvement.
Follow risk and compliance policies to safeguard customer assets, maintain privacy, and act in customers’ best interests.
Keep current with financial-services market developments, 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 the Bank’s assets and comply with applicable regulatory, legal, and ethical requirements.
Analyze issues, determine next steps, and complete complex tasks within established rules and limits, including escalations from other employees.
Make sound, risk-informed decisions consistent with business strategy, the Risk Management Framework, approved risk appetite, policies, and applicable laws and regulations.