Retail Relationship Banker

Bank of Montreal•HB South Lake Tahoe, CA

18d•Onsite

About The Position

The Retail Relationship Banker delivers exceptional service to BMO customers and prospects by understanding their needs and recommending financial solutions in their best interests. Working collaboratively within the branch and with BMO partners across channels, the banker builds customer loyalty and relationships, provides personalized advice, and contributes to branch and business objectives. The role includes conducting needs-based assessments and recommending solutions across everyday banking, retail investments, lending, home financing, and small business banking. The banker also helps customers use digital and self-service options, supports transaction needs, generates appointments, and develops relationships in the community. Responsibilities include making personal lending credit recommendations, maintaining lending portfolio quality, responding to audit and quality-check issues, and following risk, privacy, legal, regulatory, and compliance requirements. The banker stays current on financial products, market conditions, and relevant regulations; identifies suspicious activity; and contributes to improvements in the customer experience. Work may take place at multiple branches or through different channels, and the schedule may vary from week to week in days, hours, and shifts.

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.
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.
Experience in a consultative customer service or sales role and a commitment to delivering a personal customer experience.
Confidence using social media, tablets, smartphones, online tools, and applications.
Strong interpersonal skills and ability to build rapport and connections with customers.
Listening, problem-solving, and adaptability skills.
Good verbal and written communication, organization, collaboration, teamwork, analytical, and problem-solving skills.
Ability to thrive in a consultative sales and team-based environment, take initiative, and work in different capacities as part of a team.
For U.S. positions, federal registration with the Nationwide Mortgage Licensing System and Registry is required; a criminal background review and credit history evaluation will also be required.

Nice To Haves

Experience in financial services.

Responsibilities

Deliver exceptional service and provide advice on financial solutions that meet customers’ needs and are in their best interests.
Conduct needs-based assessments and recommend tailored everyday banking, investment, lending, home financing, and small business solutions.
Engage existing customers and prospects to build loyalty, identify opportunities, generate appointments, and develop community relationships.
Guide customers toward appropriate digital and self-service banking options.
Support customer transaction needs based on branch traffic.
Address issues arising from consumer credit audits and quality checks, ensuring accurate data entry and lending recommendations.
Apply risk management practices to protect the Bank’s assets and maintain lending portfolio quality.
Make credit recommendations for personal lending transactions, including home financing, in accordance with credit principles and Bank policies.
Integrate marketing promotions into customer conversations and identify personal banking and credit card needs.
Organize work information accurately and completely, resolve issues, and handle escalations as needed.
Follow risk, compliance, privacy, legal, and regulatory processes and policies.
Keep current with financial services products and practices, market conditions, and the legal and regulatory environment.
Identify and report suspicious activity that may be related to money laundering.
Collaborate with branch and market teams and contribute to improving the customer experience and business results.