Retail Relationship Banker

Bank of Montreal•Eau Claire, WI

About The Position

The Retail Relationship Banker delivers exceptional service to BMO customers and prospects by understanding their needs and providing advice on financial solutions in customers’ best interests. Working collaboratively with branch colleagues and BMO partners across channels, the banker builds customer loyalty, develops relationships, and contributes to branch and business objectives. The role includes conducting needs assessments and recommending tailored everyday banking, investment, lending, home-financing, and small-business solutions, while guiding customers toward digital and self-service options. The banker also supports customer transactions as needed based on branch traffic and may work at multiple branches or through different channels. Schedules may vary from week to week in days, hours, and shifts. The position includes generating appointments and new community relationships; making personal-lending credit recommendations, including home financing; maintaining lending portfolio quality; and addressing audit or quality-check findings. The banker follows risk, compliance, privacy, and lending requirements, identifies suspicious activity potentially related to money laundering, and protects bank assets. They keep current on products, practices, trends, and the legal and regulatory environment, and contribute to continuous improvement of the customer experience. Broader responsibilities may be assigned as needed. For U.S. positions, the role acts as an originator of consumer loans under applicable regulations and requires federal registration with the Nationwide Mortgage Licensing System and Registry. A criminal background review and credit history evaluation are required, as are restrictions on performing in a real estate agent capacity. BMO describes its purpose as creating lasting, positive change for customers, communities, and employees. It offers training, coaching, manager support, and network-building 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.
Consultative customer-service or sales experience and a drive to deliver a personal customer experience.
Confidence and experience using social media, tablets, smartphones, online tools, and applications.
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.
Passion for helping customers, a focus on results, and ability to thrive in a consultative sales and team-based environment.
Resourcefulness and confidence in approaching customers, along with readiness to collaborate in different capacities as part of a team.
Canada only: Registration to sell investment products, as appropriate for the jurisdiction.
Appropriate lending qualifications and designations.
U.S. only: Federal registration with the Nationwide Mortgage Licensing System and Registry is required; 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.
Specialized knowledge.

Responsibilities

Deliver exceptional service and provide advice and guidance on financial solutions that serve customers’ best interests.
Proactively engage customers and prospects, conduct needs assessments, and recommend tailored banking, investment, lending, home-financing, and small-business solutions.
Guide customers on digital and self-service options and support transaction needs based on customer traffic.
Generate appointments and build new customer relationships within the community.
Make personal-lending credit recommendations, including home-financing recommendations, in accordance with sound credit principles and bank policies.
Address issues raised through consumer credit audits and quality checks, ensuring accurate data entry and compliant lending recommendations.
Apply risk-management practices to protect bank assets and maintain lending portfolio quality.
Collaborate with branch and market colleagues and BMO partners to achieve business objectives and deliver a consistent customer experience.
Integrate relevant marketing promotions and programs into customer conversations.
Organize work information accurately and completely, analyze issues, and determine next steps, including handling escalations when applicable.
Follow risk, compliance, privacy, lending, legal, and regulatory requirements; identify and report suspicious activity potentially related to money laundering.
Maintain current knowledge of financial-services markets, regulations, personal-banking products, practices, and trends.
Contribute to improvements in the customer experience and broader business results.
For U.S. positions, complete required federal registration with the Nationwide Mortgage Licensing System and Registry and comply with applicable consumer-loan originator requirements.