Retail Relationship Banker

Bank of Montreal•Wausau, WI

18d

About The Position

Delivers exceptional service to BMO customers and prospects by identifying needs and recommending financial solutions that are in customers’ best interests. Works collaboratively within the branch and with BMO partners across channels to create a strong customer experience and meet business objectives. Proactively engages existing and prospective customers through needs-based assessments, tailored advice, relationship-building, and appointment generation. Supports customer transactions and promotes digital and self-service banking options. The role provides advice across everyday banking, retail investments, lending, home financing, and small business solutions. It makes personal lending credit recommendations in accordance with sound credit principles and bank policies, manages lending risk, and addresses audit and quality-check issues while complying with applicable requirements. The banker contributes to branch and market results, maintains knowledge of products and the financial services environment, and safeguards customer assets, privacy, and the bank’s assets through risk and compliance processes. Work may take place at multiple branches or through various channels, and schedules may vary by week in days, hours, and shifts.

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.
Experience in a consultative customer service or sales role, with a focus on delivering a personal customer experience.
Confident and experienced use of social media, tablets, smartphones, online tools, and applications.
Strong interpersonal skills and ability to build rapport and connections with customers.
Listening, problem-solving, and creative, flexible response skills.
Good verbal and written communication skills.
Good organization skills.
Good collaboration and teamwork skills.
Good analytical and problem-solving skills.
Ability to focus on results and thrive in a consultative sales and team-based environment.
Resourcefulness and confidence to approach customers, and readiness to work in different capacities as part of a team.
Canada only: Registration to sell investment products, as appropriate for the jurisdiction.
Appropriate lending qualifications and designations.
U.S. only: Federal registration with the Nationwide Mortgage Licensing System and Registry is required for the consumer-loan originator 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.
A post-secondary degree in a related field of study is desirable.

Responsibilities

Deliver exceptional service to customers and prospects and identify their financial needs.
Conduct needs assessments and recommend tailored banking, investment, lending, home-financing, and small-business solutions.
Explain digital and self-service options to help customers bank easily and efficiently.
Support customer transactions in response to branch traffic.
Proactively contact customers and prospects, generate appointments, and build community relationships.
Address issues raised through consumer credit audits and quality checks, ensuring accurate data entry and lending recommendations.
Apply risk-management practices to lending portfolios and make personal-lending credit recommendations in accordance with bank policies and sound credit principles.
Collaborate with branch and market teams to contribute to business results and customer experience.
Integrate relevant marketing promotions and programs into customer conversations.
Organize work information accurately and completely, analyze issues, and determine next steps, including handling escalations when needed.
Follow risk, compliance, privacy, and asset-protection policies and processes; identify and report suspicious activity potentially related to money laundering.
Maintain current knowledge of personal banking products, practices, trends, and the financial services marketplace and regulatory environment.
Contribute to ongoing improvements in the customer experience and complete other broader work or accountabilities as assigned.