Retail Relationship Banker

Bank of Montreal•HB St. Charles, IL

About The Position

The Retail Relationship Banker delivers exceptional service to BMO customers and prospects by identifying their needs and recommending financial solutions that serve their best interests. Working collaboratively with branch colleagues and other BMO partners, the banker provides needs-based advice across everyday banking, retail investments, personal lending and home financing, and small-business solutions. The role also helps customers use digital and self-service options and supports transactions according to customer traffic. The banker proactively engages existing and prospective customers, conducts financial needs assessments, generates appointments, and builds relationships in the community. The position contributes to branch and market results, protects the quality of the lending portfolio, makes personal-lending credit recommendations, and follows applicable risk, compliance, privacy, legal, and regulatory requirements. Work may take place at multiple branches or through various channels, and schedules may vary from week to week in days, hours, and shifts. The role requires current knowledge of banking products and the financial services environment, sound judgment, attention to accurate work, and a personal, consultative approach to customer service and sales. Broader work or accountabilities may be assigned as needed.

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.
Working knowledge of personal and small-business customer needs and solutions.
Working knowledge of retail investment and lending products.
Appropriate lending qualifications and designations.
Consultative customer-service or sales experience and a drive to provide a personal customer experience.
Confident use of social media, tablets, smartphones, online tools, and applications.
Strong interpersonal skills and the ability to build rapport and connections with customers.
Listening, problem-solving, and adaptability skills, including the ability to respond creatively to new challenges.
Good verbal and written communication skills.
Good organizational skills.
Good collaboration and teamwork skills.
Good analytical and problem-solving skills.
For Canada, registration to sell investment products must be completed where appropriate for the jurisdiction.
For U.S. positions, 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.
Post-secondary degree in a related field of study.

Responsibilities

Deliver exceptional service to customers and prospects and identify their financial needs.
Conduct needs-based assessments and recommend tailored banking, investment, lending, home-financing, and small-business solutions.
Explain digital and self-service banking options to make banking easier for customers.
Support customer transactions based on branch traffic.
Proactively contact customers and prospects, generate appointments, and build relationships within the community.
Resolve questions and issues identified through credit audits and quality checks, ensuring accurate data entry and lending recommendations.
Apply risk-management practices to protect bank assets and maintain lending-portfolio quality.
Make credit recommendations for personal lending transactions, including home financing, in accordance with bank policies and sound credit principles.
Collaborate with branch and market teams and integrate relevant marketing promotions into customer conversations.
Organize work information accurately and completely, and contribute ideas to improve the customer experience.
Follow risk, compliance, privacy, legal, and regulatory processes and policies; identify and report suspicious activity potentially related to money laundering.
Maintain current knowledge of personal banking products, practices, trends, and the financial-services marketplace.
Complete complex and diverse tasks within established rules and limits, analyze issues, and determine next steps; handle escalations as applicable.