Retail Relationship Banker

BMO • Tucson, AZ

13d • $41,500 - $65,500

About The Position

The Retail Relationship Banker delivers exceptional service to BMO customers and prospects by identifying their needs and recommending financial solutions in customers’ best interests. The role proactively engages current and prospective customers, conducts needs assessments, builds relationships, and provides tailored advice on everyday banking, investments, lending, home financing, and small-business solutions. It also helps customers use digital and self-service banking options and supports transactions based on branch traffic.

The banker contributes to branch and market business results by generating appointments, developing community relationships, supporting a collaborative team, and improving the customer experience. The role makes personal-lending credit recommendations, applies risk-management and compliance practices, maintains lending portfolio quality, protects customer information and bank assets, and identifies suspicious activity. Work may take place at multiple branches or through different channels, with schedules that may vary from week to week.

Typically, the position requires two to three years of relevant experience and a desirable post-secondary degree in a related field, or an equivalent combination of education and experience. Appropriate lending qualifications and designations are required. In the United States, the position requires federal registration with the Nationwide Mortgage Licensing System and Registry, along with a criminal background review and credit history evaluation. BMO describes support through training, coaching, manager support, and networking opportunities. The listed salary range is $41,500 to $65,500; compensation may vary and may include commissions, incentives, bonuses, and other rewards.

Requirements

• Typically two to three years of relevant experience and a post-secondary degree in a related field, or an equivalent combination of education and experience; the degree is desirable.
• 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 commitment to delivering a personal customer experience.
• Confident and experienced use of social media, tablets, smartphones, online tools, and applications.
• Passionate commitment to helping customers and a focus on results in a consultative, team-based environment.
• Resourceful self-starter with confidence to approach customers.
• Ability to collaborate and work in different capacities as part of a team.
• Strong interpersonal skills and 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 organizational skills.
• Good collaboration and teamwork skills.
• Good analytical and problem-solving skills.
• For U.S. positions: federal registration with the Nationwide Mortgage Licensing System and Registry is required; the bank will provide instructions on registration requirements. 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.
• Canada only: Registration to sell investment products completed, as appropriate for the jurisdiction.

Responsibilities

• Proactively engage existing customers and prospects, conduct needs assessments, and identify immediate and future opportunities.
• Recommend tailored financial solutions for customers’ sales and service needs, including everyday banking, retail investments, lending, home financing, and small-business solutions.
• Explain available digital and self-service options to help make banking easy, simple, and fast.
• Support customer transactions according to customer traffic.
• Reach out to customers, generate appointments, and build new relationships in the community.
• Address questions and resolve issues identified 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 in accordance with lending requirements and risk guidelines.
• Make credit recommendations for personal lending transactions, including home financing, under sound credit principles and bank policies.
• Work collaboratively 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 their ongoing improvement.
• Follow risk and compliance processes and policies to safeguard customer assets and privacy and act in customers’ best interests.
• Maintain current knowledge of financial services, the regulatory environment, and personal banking products, practices, and trends.
• Identify and report suspicious activity patterns that may be related to money laundering.
• Comply with applicable legal, regulatory, and ethical requirements and protect bank assets.
• Analyze issues, determine next steps, and handle complex tasks or escalations within established rules and limits.
• Take measured, risk-informed decisions aligned with business strategy, approved risk appetite, and applicable policies and laws.

Benefits

• Health insurance
• Tuition reimbursement
• Accident and life insurance
• Retirement savings plans
• Training and coaching
• Manager support
• Networking opportunities
• Performance-based incentives, discretionary bonuses, and other perks and rewards may be included in the total compensation package.

What This Job Offers

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