Retail Relationship Banker

Bank of Montreal•Indian Trail, IL

26d

About The Position

The Retail Relationship Banker delivers exceptional service to BMO customers and prospects by identifying their needs and providing advice about financial solutions that serve their best interests. The role works collaboratively with branch colleagues and BMO partners across channels to create a strong customer experience and achieve business objectives. It proactively engages existing customers and prospects, completes needs assessments, recommends tailored banking and lending solutions, and promotes digital and self-service options. The banker also supports transactions according to customer traffic and grows the business by generating appointments and building community relationships. The position makes personal lending credit recommendations, including for home financing, and helps ensure lending decisions and applications comply with policies and regulatory requirements. It applies BMO’s risk management framework to protect the Bank’s assets and lending portfolio, safeguards customer privacy, and identifies suspicious activity that may be related to money laundering. The banker stays current on financial products, market developments, and applicable legal and regulatory requirements, and contributes to continuous improvement of the customer experience and branch results. The role may involve working at multiple branches or through different channels according to market needs. Work schedules may vary from week to week in days, hours, and shifts. Additional work or accountabilities may be assigned as needed.

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.
Appropriate lending qualifications and designations.
Consultative customer service or sales experience and a commitment to delivering a personal customer experience.
Confidence and experience using social media, tablets, smartphones, online tools, and applications.
Strong interpersonal skills and the ability to build rapport and connections with customers.
Ability to listen, solve problems, and respond flexibly and creatively to new challenges.
Ability to thrive in a consultative sales and team-based environment, with a focus on results.
Resourcefulness and confidence when approaching customers.
Readiness to collaborate and work in different capacities as part of a team.
Good verbal and written communication skills.
Good organization skills.
Good collaboration and teamwork skills.
Good analytical and problem-solving skills.
For Canada: Registration to sell investment products completed, as appropriate for the jurisdiction.
For the U.S.: 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.

Responsibilities

Provide exceptional service and needs-based financial advice to customers and prospects.
Complete customer needs assessments and recommend tailored everyday banking, investment, lending, home financing, and small business solutions.
Explain digital and self-service banking options to help customers bank easily and efficiently.
Support customer transactions based on branch traffic.
Reach out to customers, generate appointments, and build new relationships in the community.
Make personal lending credit recommendations, including home financing, in accordance with sound credit principles and Bank policies.
Address questions and resolve issues identified through consumer credit audits and quality checks; ensure accurate data entry and compliant lending recommendations.
Apply the risk management framework to protect Bank assets and maintain the quality of the lending portfolio.
Integrate relevant marketing promotions and programs into customer conversations.
Follow risk, compliance, privacy, legal, regulatory, and ethical policies and processes.
Identify and report suspicious activity patterns suspected of being related to money laundering.
Maintain current knowledge of personal banking products, practices, trends, and the financial services marketplace.
Organize work information accurately and completely, analyze issues, and determine next steps, including handling escalations from other employees.
Contribute to business results and ongoing improvements to the customer experience.