Retail Relationship Banker

Bank of Montreal•Calumet City, IL

About The Position

Delivers exceptional service to BMO customers and prospects by identifying their needs and providing advice and guidance on financial solutions that are in their best interests. Works collaboratively with branch colleagues and BMO partners across channels to provide a strong customer experience and meet business objectives. Proactively engages existing customers and prospects through needs-based assessments, tailored advice, outreach, appointments, and relationship building in the community. Recommends personal banking, investment, lending, home financing, and small business solutions, and promotes digital and self-service options. Supports customer transactions according to branch traffic and may work at multiple branches or through different channels based on market needs. Schedules may vary from week to week in days, hours, and shifts. The role supports the quality and compliance of lending activity, makes personal lending credit recommendations in accordance with sound credit principles and Bank policies, and applies risk management practices to protect Bank assets and maintain portfolio quality. It also helps resolve questions arising from consumer credit audits and quality checks, maintains accurate information, follows legal and regulatory requirements, safeguards customer privacy and assets, and identifies and reports suspicious activity that may be related to money laundering. The banker keeps current on financial services developments, regulations, products, practices, and trends; handles complex tasks and escalations within established limits; and contributes to ongoing improvements in customer experience and business results. For U.S. positions, the role originates 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, and restrictions apply to performing in a real estate agent capacity.

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 investment and lending products.
Experience in financial services is an asset.
Experience in a consultative customer service or sales role and a commitment to delivering a personal customer experience.
Confident use of social media, tablets, smartphones, online tools, and applications.
Strong interpersonal skills and ability to build rapport and connections with customers.
Listening, problem-solving, and adaptability skills, including responding flexibly and creatively to challenges.
Ability to work in a consultative sales and team-based environment, collaborate in different capacities, and take initiative when approaching customers.
Good verbal and written communication, organization, collaboration and teamwork, and analytical and problem-solving skills.
Canada only: Registration to sell investment products completed, as appropriate for the jurisdiction.
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

Post-secondary degree in a related field of study.
Experience in financial services.

Responsibilities

Deliver exceptional service to customers and prospects, identifying needs and recommending financial solutions in their best interests.
Conduct needs-based assessments and recommend tailored everyday banking, investment, personal lending, home financing, and small business solutions.
Advise customers on digital and self-service options and support transactions based on customer traffic.
Proactively contact customers and prospects, generate appointments, and build new community relationships.
Make credit recommendations for personal lending transactions, including home financing, in accordance with credit principles and Bank policies.
Apply risk management practices to protect Bank assets and maintain lending portfolio quality.
Address questions and resolve issues raised through consumer credit audits and quality checks; ensure accurate data entry and lending recommendations.
Follow risk, privacy, legal, regulatory, and compliance policies; identify and report suspicious activity suspected to be related to money laundering.
Maintain current knowledge of financial services, regulations, personal banking products, practices, and trends.
Collaborate with branch and market teams, handle complex tasks and escalations within established limits, and contribute to improved customer experience and business results.
For U.S. positions, originate consumer loans and complete required federal registration with the Nationwide Mortgage Licensing System and Registry.