Retail Relationship Banker

Bank of Montreal•HB Woodstock, IL

12d

About The Position

The Retail Relationship Banker delivers exceptional service to BMO customers and prospects by identifying their needs and recommending financial solutions in their best interests. The role works collaboratively with branch and market teammates and BMO partners across channels to meet customer needs and business objectives. It proactively engages existing customers and prospects, conducts needs-based assessments, builds loyalty, identifies opportunities, generates appointments, and develops community relationships. The banker recommends solutions across everyday banking, retail investments, lending, home financing, and small business banking, and guides customers toward digital and self-service options. The role also supports transactions according to customer traffic and may work at multiple branches or through different channels as market needs dictate. The position includes making personal lending credit recommendations, including for home financing, in line with sound credit principles and bank policies. It applies risk management practices to protect bank assets and maintain lending portfolio quality, addresses issues raised through credit audits and quality checks, and follows legal, regulatory, privacy, and compliance requirements. The banker stays current on financial services, banking products, lending practices, and relevant regulations; identifies and reports suspicious activity; and contributes to continuous improvements in the customer experience and business results. Work schedules 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.
Working knowledge of personal and small business customer needs and solutions.
Working knowledge of retail investment and lending products.
Appropriate lending qualifications and designations.
Consultative customer service or sales experience and a drive to deliver a personal customer experience.
Confident use of social media, tablets, smartphones, online tools, and applications.
Strong interpersonal skills, including ability to build rapport and connections with customers.
Ability to listen, solve problems, and respond flexibly and creatively to new challenges.
Good verbal and written communication skills.
Good organization skills.
Good collaboration and teamwork skills.
Good analytical and problem-solving skills.
Passion for helping customers, results focus, and ability to thrive in a consultative sales and team-based environment.
Resourcefulness and confidence in approaching customers, plus readiness to collaborate in different team capacities.
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 for the role’s consumer loan origination activities; criminal background and credit history reviews apply, as do restrictions on serving as a real estate agent.

Nice To Haves

Experience in financial services is an asset.

Responsibilities

Deliver exceptional service to customers and prospects, understand their financial needs, and recommend suitable solutions.
Conduct needs-based assessments and recommend tailored everyday banking, investment, lending, home financing, and small business solutions.
Engage existing customers and prospects, generate appointments, and build new relationships in the community.
Explain and promote digital and self-service banking options.
Support customer transactions based on branch traffic and work across branches or channels as market needs require.
Make personal lending credit recommendations, including home financing, in accordance with credit principles and bank policies.
Apply risk management processes to protect bank assets and maintain lending portfolio quality.
Address questions and resolve issues identified through consumer credit audits and quality checks, ensuring accurate data entry and compliant lending recommendations.
Follow risk, privacy, legal, regulatory, and compliance policies and processes; identify and report suspicious activity potentially related to money laundering.
Stay current on personal banking products, practices, trends, and the financial services regulatory environment.
Integrate relevant marketing promotions and programs into customer conversations.
Organize work information for accuracy and completeness, analyze issues, and determine next steps, including handling escalations as needed.
Contribute to business results and continuously improve the customer experience.
Collaborate with branch and market teams and take measured, risk-informed decisions aligned with bank policies and approved risk appetite.