Retail Relationship Banker

Bank of Montreal•HB Cedarburg, WI

25d

About The Position

The Retail Relationship Banker delivers exceptional service to BMO customers and prospects by identifying their needs and providing guidance on financial solutions that serve their best interests. Working collaboratively across the branch and other channels, the banker conducts needs-based assessments, builds customer loyalty, identifies opportunities, and recommends tailored banking, investment, lending, home financing, and small business solutions. The role also promotes digital and self-service options and supports customer transactions based on branch traffic. The banker grows business by contacting customers and prospects, setting appointments, and building community relationships. Responsibilities include making personal lending and home-financing credit recommendations, managing lending risk, addressing audit and quality-check issues, and following legal, regulatory, risk, and compliance requirements. The role involves working as part of a collaborative branch and market team, maintaining current knowledge of products and the financial services environment, and contributing to an improved customer experience and business results. The position may require work at multiple branches or through different channels according to market needs. The schedule may vary from week to week in days worked, hours, and shifts. Broader 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.
For Canada: registration to sell investment products, as appropriate for the jurisdiction.
Appropriate lending qualifications and designations.
Working knowledge of personal and small-business customer needs and solutions.
Working knowledge of retail investment and lending products.
Confidence and experience using social media, tablets, smartphones, online tools, and applications.
Experience in a consultative customer-service or sales role and a drive to deliver a personal customer experience.
Commitment to helping customers and focus on results in a consultative sales and team-based environment.
Resourcefulness and confidence to approach customers.
Readiness to collaborate and work in different capacities as part of a team.
Strong interpersonal skills, including the ability to build rapport and connections with customers.
Listening, problem-solving, and adaptable, creative response skills.
Good verbal and written communication skills.
Good organization skills.
Good collaboration and teamwork skills.
Good analytical and problem-solving skills.
For the U.S.: Federal registration with the Nationwide Mortgage Licensing System and Registry is required for this consumer-loan originator role; the bank will provide registration instructions.
For the U.S.: 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.
A 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 help customers bank easily and efficiently.
Support customer transactions based on customer traffic.
Reach out to customers and prospects, generate appointments, and build relationships in the community.
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.
Make credit recommendations for personal lending transactions, including home financing, in line with credit principles and bank policies.
Collaborate with branch and market teams and integrate relevant marketing promotions into customer conversations.
Organize work information to ensure accuracy and completeness, and find creative ways to personalize and improve the customer experience.
Follow risk, compliance, privacy, and legal requirements and safeguard customers’ assets.
Keep current with financial services, legal and regulatory developments, and personal banking products and trends.
Identify and report suspicious activity patterns that may relate to money laundering.
Analyze issues, determine next steps, and handle complex tasks or escalations within applicable rules and limits.
Take measured, risk-informed decisions aligned with business strategy, approved risk appetite, and applicable policies and regulations.