Retail Relationship Banker

BMO • Elm Grove, WI

1d • $41,500 - $65,500

About The Position

The Retail Relationship Banker delivers exceptional service to BMO customers and prospects by identifying customer needs and providing advice on financial solutions in customers’ best interests. Working collaboratively within the branch and with BMO partners across channels, the banker helps deliver the desired customer experience and achieve business objectives. The role proactively engages existing and prospective customers, conducts needs-based assessments, recommends tailored banking and lending solutions, and supports transactions according to customer traffic. It also builds relationships in the community, generates appointments, and promotes digital and self-service banking options.

The banker makes personal lending and home-financing credit recommendations consistent with sound credit principles and bank policies; applies risk-management practices to protect assets and maintain lending quality; and addresses questions or issues from credit audits and quality checks. The role supports compliance with legal, regulatory, privacy, risk, and ethical requirements, including identifying and reporting suspicious activity potentially related to money laundering. The banker maintains current knowledge of products, practices, trends, and the financial-services marketplace, contributes to branch and business results, and looks for ways to improve the customer experience. Work may take place at multiple branches or through various channels, and schedules may vary from week to week.

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.
• Experience in a consultative customer-service or sales role, with a drive to deliver 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.
• Good verbal and written communication skills.
• Good organization skills.
• Good collaboration and teamwork skills.
• Good analytical and problem-solving skills.
• Ability to listen, solve problems, and respond flexibly and creatively to new challenges.
• Resourcefulness and confidence approaching customers; readiness to collaborate in different team capacities.
• Passionate commitment to helping customers and a focus on results in a consultative, team-based environment.
• Canada only: Registration to sell investment products completed, 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 apply, as do restrictions on 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 through needs-based assessments to grow loyalty and identify current and future opportunities.
• Recommend tailored solutions for everyday banking, retail investments, lending, home financing, and small-business needs.
• Guide customers toward digital and self-service options and support transactions based on customer traffic.
• Reach out to customers, generate appointments, and build new relationships in the community.
• Make credit recommendations for personal lending transactions, including home financing, in accordance with sound credit principles and bank policies.
• Apply risk-management practices to protect bank assets and maintain lending portfolio quality.
• Address questions and resolve issues from consumer credit audits and quality checks, ensuring accurate data entry and lending recommendations.
• Collaborate with branch and market teams to deliver customer experiences and achieve business objectives.
• Integrate relevant marketing promotions and programs into customer conversations.
• Organize work information for accuracy and completeness, and analyze issues to determine next steps.
• Contribute to ongoing improvements in the customer experience and business results.
• Follow risk, compliance, privacy, legal, and regulatory processes and policies; identify and report suspicious activity potentially related to money laundering.
• Maintain current knowledge of financial-services developments and personal banking products, practices, and trends.
• Take measured, risk-informed decisions in accordance with the Risk Management Framework, approved Risk Appetite, applicable policies, laws, and regulations.
• Complete complex and diverse tasks within established rules and limits, including handling escalations from other employees.
• Work at multiple branches or through various channels as market needs require.

Benefits

• Health insurance
• Tuition reimbursement
• Accident insurance
• Life insurance
• Retirement savings plans
• Performance-based incentives, discretionary bonuses, and other perks and rewards may be included in the total compensation package.
• Training, coaching, manager support, and network-building opportunities

What This Job Offers

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