Retail Relationship Banker

BMO•Rockford, IL

9d•$41,500 - $65,500

About The Position

The Retail Relationship Banker delivers exceptional service to BMO customers and prospects by identifying their needs and providing advice and guidance about financial solutions in their best interests. Working collaboratively within the branch and across channels, the banker builds customer loyalty and supports business objectives through personalized, needs-based banking conversations. The role recommends solutions across everyday banking, retail investments, lending, home financing, and small business banking; promotes digital and self-service options; supports customer transactions; and develops new relationships through outreach and appointments. It also makes personal lending credit recommendations, helps maintain lending quality, and follows applicable risk, privacy, compliance, legal, and regulatory requirements. The role may support multiple branches or channels, with a schedule that can vary by week. BMO describes a supportive environment that includes training, coaching, manager support, and opportunities to build a professional network and broaden skills. Spanish speaking is preferred.

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 investments and lending products.
Experience in a consultative customer service or sales role.
Confident and experienced use of social media, tablets, smartphones, online tools, and applications.
Strong commitment to helping customers and delivering a personal customer experience.
Results focus and ability to thrive in a consultative sales and team-based environment.
Resourcefulness and confidence when 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 creative adaptability when responding to new challenges.
Good verbal and written communication skills.
Good organizational skills.
Good collaboration and team skills.
Good analytical and problem-solving skills.
For Canada: Registration to sell investment products completed, as appropriate for the jurisdiction.
For the U.S.: Federal registration with the Nationwide Mortgage Licensing System and Registry is required; the role also requires a criminal background review and credit history evaluation and includes restrictions on performing in a real estate agent capacity.

Nice To Haves

Spanish speaking preferred.
Experience in financial services is an asset.

Responsibilities

Proactively engage existing customers and prospects, conduct needs-based assessments, grow loyalty, and identify current and future opportunities.
Recommend tailored banking solutions for everyday banking, retail investments, lending, home financing, and small business needs.
Advise customers on digital and self-service banking options.
Support customer transaction needs based on branch traffic.
Generate appointments and build new relationships in the community through customer outreach.
Address questions and resolve issues arising from consumer credit audits and quality checks, ensuring accurate data and compliant lending recommendations.
Apply the risk management framework to protect bank assets and maintain lending portfolio quality.
Make credit recommendations for personal lending transactions, including home financing, in accordance with credit principles and bank policies.
Collaborate as a member of a versatile branch and market team.
Understand customers’ personal banking and credit card needs and incorporate relevant promotions and programs into conversations.
Organize work information accurately and completely.
Use creative approaches to personalize customer experiences and contribute to continuous improvement.
Follow risk and compliance policies to safeguard customer assets, protect privacy, and act in customers’ best interests.
Stay current on financial services, the legal and regulatory environment, and personal banking products, practices, and trends.
Identify and report suspicious activity patterns potentially related to money laundering.
Protect bank assets and comply with applicable regulatory, legal, and ethical requirements.
Complete complex and diverse tasks within established limits, handle escalations when needed, and analyze issues to determine next steps.
Make sound, risk-informed decisions aligned with business strategy, approved risk appetite, policies, and applicable laws and regulations.
Undertake broader work or accountabilities as assigned.