Retail Relationship Banker

Bank of Montreal•Oconomowoc, WI

10d

About The Position

Delivers exceptional service to BMO customers and prospects by identifying their needs and offering advice and guidance on financial solutions that are in their best interests. Works collaboratively within the branch and with BMO partners across channels to provide a strong customer experience and achieve business objectives. Proactively engages customers and prospects through needs-based assessments, recommending tailored solutions for everyday banking, investments, lending, home financing, and small business needs. Promotes digital and self-service banking options, supports transaction needs, and builds relationships in the community by generating appointments and reaching out to customers. The role supports personal lending decisions, including home financing, while following credit principles, lending policies, and risk-management requirements. It helps maintain the quality of the lending portfolio, addresses audit and quality-check findings, safeguards customer assets and privacy, and complies with applicable legal and regulatory requirements. The banker stays current on banking products, financial services trends, and regulatory developments; recognizes and reports suspicious activity; and contributes to continuous improvement of the customer experience and branch results. The position 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. The role may also involve complex tasks and escalations from other employees.

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 a consultative customer service or sales role and a drive to provide a personal customer experience.
Strong commitment to helping customers and delivering a personal customer experience.
Results focus and ability to thrive in a consultative sales and team-based environment.
Resourcefulness and confidence in proactively approaching customers.
Ability 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 flexible, creative response skills.
Good verbal and written communication skills.
Good organizational skills.
Good collaboration and teamwork skills.
Good analytical and problem-solving skills.
Confidence and experience using social media, tablets, smartphones, online tools, and applications.
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 for this consumer-loan originator role; the Bank will provide instructions on registration requirements.
U.S. only: 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.
Post-secondary degree in a related field of study.

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, lending, home financing, and small business solutions.
Advise customers about digital and self-service banking options.
Support customer transaction needs based on branch traffic.
Generate appointments, reach out to customers, and build relationships within the community.
Address questions and resolve issues identified through consumer credit audits and quality checks, ensuring accurate data entry and appropriate lending recommendations.
Apply the risk-management framework to protect bank assets and maintain lending portfolio quality.
Make personal lending credit recommendations, including home financing, in accordance with credit principles and bank policies.
Collaborate with branch and market teams and contribute to business results and customer experience.
Integrate marketing promotions and programs into customer conversations and provide strategic advice.
Organize work information accurately and completely; take initiative to personalize and improve customer experiences.
Follow risk and compliance processes, protect customer assets and privacy, and act in customers’ best interests.
Maintain knowledge of the financial services marketplace, legal and regulatory environment, personal banking products, practices, and trends.
Identify and report suspicious activity potentially related to money laundering.
Comply with legal, regulatory, and ethical requirements and protect the Bank’s assets.
Analyze issues, determine next steps, and handle complex tasks or escalations within applicable rules and limits.
Make sound, risk-informed decisions aligned with business strategy, the Bank’s Risk Appetite, policies, laws, and regulations.