Retail Relationship Banker

Bank of Montreal•Berkeley, CA

13d

About The Position

Delivers exceptional service to BMO customers and prospects by identifying their needs and providing advice and guidance on financial solutions in customers’ best interests. Works collaboratively with branch colleagues and BMO partners across channels to deliver a strong customer experience and achieve business objectives. Proactively engages customers and prospects through needs-based assessments, building loyalty and identifying current and future opportunities. Recommends tailored banking, investment, lending, home-financing, and small-business solutions, and explains digital and self-service options. Supports customer transactions based on branch traffic, generates appointments, and builds relationships in the community. The role makes personal lending credit recommendations, including home financing, in accordance with credit principles and bank policies. It applies risk-management practices to protect bank assets and lending portfolio quality, and resolves questions raised through credit audits and quality checks. The banker also supports a collaborative branch and market team, contributes to improving the customer experience and business results, and may work across multiple branches or channels. Schedules may vary from week to week in days, hours, and shifts. The position requires adherence to risk, compliance, privacy, legal, regulatory, and ethical requirements; awareness of suspicious activity potentially related to money laundering; and current knowledge of personal banking products, practices, trends, and the financial-services marketplace. Broader responsibilities may be assigned as needed. In the U.S., the role requires Federal registration with the Nationwide Mortgage Licensing System and Registry and involves a criminal background review and credit history evaluation.

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.
For Canada: registration to sell investment products, as appropriate for the jurisdiction.
Experience in a consultative customer service or sales role and a drive to deliver a personal customer experience.
Confident and experienced use of social media, tablets, smartphones, online tools, and applications.
Strong interpersonal skills, including the ability to build rapport and connections with customers.
Ability to listen, solve problems, and respond flexibly and creatively to new challenges.
Ability to focus on results and thrive 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.
Good verbal and written communication, organization, collaboration, teamwork, analytical, and problem-solving skills.
For the U.S.: 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.
Post-secondary degree in a related field of study.

Responsibilities

Engage customers and prospects proactively and complete needs-based assessments to identify financial needs and opportunities.
Recommend tailored everyday banking, retail investment, personal lending, home-financing, and small-business solutions.
Explain digital and self-service banking options to customers.
Support customer transactions according to customer traffic.
Generate appointments and build new customer relationships in the community.
Address questions and resolve issues arising from consumer credit audits and quality checks, ensuring accurate data entry and 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 accordance with bank policies and sound credit principles.
Integrate marketing promotions and programs into customer conversations and provide strategic advice.
Organize work information to ensure accuracy and completeness, and contribute to improving the customer experience.
Follow risk and compliance policies and processes to protect customer assets and privacy and act in customers’ best interests.
Maintain current knowledge of financial-services markets, legal and regulatory requirements, and personal banking products and trends.
Identify and report suspicious activity patterns suspected to relate to money laundering.
Collaborate with branch and market teams and contribute to business results.
Work at multiple branches or through different channels as required by market needs.