Retail Relationship Banker

BMO • Adams, WI

9d • $41,500 - $65,500

About The Position

The Retail Relationship Banker delivers service and financial guidance to BMO customers and prospects, identifying their needs and recommending suitable banking solutions. The role proactively engages customers, conducts needs assessments, supports transactions, develops relationships in the community, and helps customers use digital and self-service banking options. Solutions may include everyday banking, investments, lending, home financing, and small-business banking.

The banker contributes to branch and market goals through consultative sales and service, appointment generation, and collaboration with BMO partners. Responsibilities also include making personal lending credit recommendations, managing lending risk, resolving audit and quality-check issues, following applicable policies and regulatory requirements, protecting customer privacy and bank assets, and identifying suspicious activity. Work may take place at multiple branches or through different channels, and the schedule may vary from week to week.

Requirements

• Typically 2–3 years of relevant experience and a post-secondary degree in a related field, 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 and a commitment to delivering a personal customer experience.
• Confident and experienced use of social media, tablets, smartphones, online tools, and applications.
• Strong interpersonal skills and the 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.
• For Canada, registration to sell investment products must be completed as appropriate for the jurisdiction.
• For the U.S., the role requires federal registration with the Nationwide Mortgage Licensing System and Registry; a criminal background review and credit history evaluation are also required, and restrictions apply to working as a real estate agent.

Nice To Haves

• Experience in financial services is an asset.
• A post-secondary degree in a related field of study is desirable.

Responsibilities

• Proactively engage existing customers and prospects, conduct needs assessments, and identify opportunities to grow customer loyalty and meet current or future needs.
• Recommend tailored solutions for banking, investments, lending, home financing, and small-business needs.
• Explain digital and self-service banking options to help customers bank easily, simply, and quickly.
• Support customer transactions based on branch traffic.
• Reach out to customers, generate appointments, and build relationships in the community to grow the business.
• Address questions and resolve issues arising from consumer credit audits and quality checks, ensuring accurate data entry and compliant lending recommendations.
• Apply the risk management framework to lending portfolios and make personal lending credit recommendations in accordance with credit principles and bank policies.
• Collaborate as a member of the branch and market team and contribute to business results and customer experience improvements.
• Incorporate relevant marketing promotions and programs into customer conversations.
• Organize work information to ensure accuracy and completeness, and analyze issues to determine next steps.
• Follow risk and compliance policies, protect customer assets and privacy, and comply with legal, regulatory, and ethical requirements.
• Keep current on financial services, regulatory developments, and 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 possible escalations from other employees.
• Take measured, risk-informed actions consistent with the Bank’s Risk Management Framework, Risk Culture, Risk Appetite, policies, and applicable laws.

Benefits

• Health insurance
• Tuition reimbursement
• Accident and life insurance
• Retirement savings plans
• Performance-based incentives and discretionary bonuses may be included, depending on the compensation package.
• Other perks and rewards may be included.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: Associate degree