Retail Relationship Banker

BMO • Denver, CO

1d • $43,000 - $75,000 • Onsite

About The Position

The Retail Relationship Banker delivers exceptional service to BMO customers and prospects, identifies their needs, and provides advice on financial solutions in their best interests. Working collaboratively with branch colleagues and BMO partners across channels, the banker helps deliver a positive customer experience and achieve business objectives. The role proactively engages existing customers and prospects, conducts needs assessments, recommends tailored banking, investment, lending, home-financing, and small-business solutions, and explains digital and self-service options. It also supports customer transactions, develops community relationships, generates appointments, and contributes to business results and continuous improvement of the customer experience.

The position makes personal-lending credit recommendations, including for home financing, and applies risk-management practices to protect bank assets and maintain lending quality. It follows risk, compliance, privacy, lending, and regulatory requirements; identifies suspicious activity that may relate to money laundering; and keeps current on financial services, personal banking products, and relevant regulations. The role may involve complex tasks, escalations, work at multiple branches or through different channels, and a schedule that varies from week to week. In the U.S., the position originates consumer loans and requires federal registration with the Nationwide Mortgage Licensing System and Registry, as well as background and credit-history reviews and restrictions on working as a real estate agent.

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.
• Confident and experienced in using social media, tablets, smartphones, online tools, and applications.
• Experience in a consultative customer-service or sales role and a commitment to delivering a personal customer experience.
• Passion for helping customers and a focus on results in a consultative sales and team-based environment.
• Resourcefulness and confidence in approaching customers.
• Ability to collaborate and work in different capacities as part of a team.
• Strong interpersonal skills and ability to build rapport and connections with customers.
• Listening, problem-solving, and flexible, creative responses to new challenges.
• Good verbal and written communication skills.
• Good organization skills.
• Good collaboration and teamwork skills.
• Good analytical and problem-solving skills.
• Canada only: Registration to sell investment products, as appropriate for the jurisdiction.
• U.S. only: Federal registration with the Nationwide Mortgage Licensing System and Registry is required; 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.
• Specialized knowledge.

Responsibilities

• Proactively engage existing customers and prospects, conduct needs-based assessments, and identify immediate and future opportunities.
• Recommend tailored financial solutions for everyday banking, retail investments, lending, home financing, and small-business needs.
• Explain digital and self-service banking options to customers.
• Support customer transactions in response to customer traffic.
• Reach out to customers, generate appointments, and build relationships in the community.
• Address questions and resolve issues arising from consumer credit audits and quality checks, ensuring accurate data entry and compliant lending recommendations.
• Apply risk-management practices to the lending portfolio and protect bank assets while maintaining portfolio quality.
• Make personal-lending credit recommendations, including home-financing recommendations, in accordance with credit principles and bank policies.
• Collaborate as a member of the branch and market team.
• Understand customers’ personal banking and credit-card needs and incorporate relevant marketing promotions into conversations.
• Organize work information to ensure accuracy and completeness.
• Find creative ways to personalize customer experiences and contribute to improving the overall customer experience.
• Follow risk and compliance policies and processes to safeguard 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 patterns suspected to be related to money laundering.
• Complete complex and diverse tasks within established rules and limits, including handling escalations from other employees as needed.
• Make sound, risk-informed decisions in accordance with the Risk Management Framework, Risk Culture, approved Risk Appetite, policies, laws, and regulations.

Benefits

• Health insurance
• Tuition reimbursement
• Accident and life insurance
• Retirement savings plans
• The total compensation package may include performance-based incentives, discretionary bonuses, and other perks and rewards.
• Training and coaching, manager support, and network-building opportunities.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: No Education Listed