Retail Relationship Banker

Bank of Montreal•Salt Lake, UT

About The Position

The Retail Relationship Banker delivers exceptional service to BMO customers and prospects, assesses their financial needs, and provides advice and guidance on solutions in customers’ best interests. Working collaboratively within the branch and with BMO partners across channels, the banker builds customer loyalty, develops relationships in the community, and contributes to branch business objectives. The role recommends tailored solutions across everyday banking, investments, lending, home financing, and small business banking, while encouraging customers to use digital and self-service options. The banker supports customer transactions, generates appointments, and makes credit recommendations for personal lending, including home financing. The role manages lending and portfolio risks, follows compliance and privacy requirements, and reports suspicious activity. Work may take place at multiple branches or through different channels, and schedules may vary by week according to market needs. The position also involves handling complex tasks and escalations, analyzing issues, and contributing to improvements in customer experience and business results.

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: completed 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.
Consultative customer service or sales experience and a commitment to providing a personal customer experience.
Confidence and experience using social media, tablets, smartphones, online tools, and applications.
Strong interpersonal skills and ability to build rapport and connections with customers.
Ability to listen, solve problems, and respond flexibly and creatively to new challenges.
Ability to work in a consultative sales and team-based environment and focus on results.
Resourcefulness and confidence approaching customers.
Willingness to collaborate and work in different capacities as part of a team.
Good verbal and written communication skills.
Good organizational skills.
Good collaboration and teamwork skills.
Good analytical and problem-solving skills.
For the U.S. role: federal registration with the Nationwide Mortgage Licensing System and Registry is required; the bank will provide instructions on registration requirements.
For the U.S. role: 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.

Responsibilities

Deliver exceptional service to customers and prospects and assess their banking and credit needs.
Recommend tailored financial solutions for everyday banking, retail investments, lending, home financing, and small business needs.
Explain digital and self-service options to help customers bank easily and efficiently.
Support customer transactions based on branch traffic.
Reach out to 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 the risk management framework to lending portfolios and protect bank assets while maintaining portfolio quality.
Address questions and resolve issues raised through consumer credit audits and quality checks; help ensure accurate data entry and compliant lending recommendations.
Integrate marketing promotions and programs into customer conversations and provide strategic advice.
Maintain accurate and complete work information and contribute to improvements in the customer experience.
Follow risk, compliance, privacy, legal, and regulatory policies and processes; identify and report suspicious activity that may be related to money laundering.
Maintain current knowledge of financial services, regulatory requirements, personal banking products, practices, and trends.
Collaborate with branch and market teams and complete complex tasks, including escalations, as needed.
Make sound, risk-informed decisions aligned with business strategy and approved risk appetite.