Retail Relationship Banker

Bank of Montreal • Mesa, AZ

13d

About The Position

The Retail Relationship Banker delivers exceptional service to BMO customers and prospects by identifying their needs and offering advice on financial solutions that support their best interests. Working collaboratively within the branch and with BMO partners across channels, the banker builds customer loyalty, develops relationships, and contributes to business results and the overall customer experience.

The role conducts needs-based assessments and recommends tailored banking, investment, lending, home-financing, and small-business solutions. It helps customers use digital and self-service options, supports transactions according to customer traffic, and generates appointments and new community relationships. The banker also makes personal lending credit recommendations, including for home financing, and applies risk-management practices to protect the Bank’s assets and lending portfolio.

The position requires compliance with applicable legal, regulatory, lending, privacy, and risk requirements. The banker maintains current knowledge of banking products, practices, trends, and the financial-services environment; identifies and reports suspicious activity; and completes complex tasks within established rules and limits. Work may take place at multiple branches or through different channels, and 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.
• 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.
• Confidence and experience using social media, tablets, smartphones, online tools, and applications.
• Strong interpersonal skills and 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, a results focus, and ability to thrive in a consultative sales and team-based environment.
• Resourcefulness and confidence when approaching customers, and readiness to collaborate in different team capacities.
• Canada only: Registration to sell investment products must be completed, as appropriate for the jurisdiction.
• U.S. only: Federal registration with the Nationwide Mortgage Licensing System and Registry is required for consumer-loan origination under Regulation Z, Regulation G, and the SAFE Act. A criminal background review and credit history evaluation are required, and restrictions apply to working as a real estate agent.

Nice To Haves

• Experience in financial services is an asset.

Responsibilities

• Deliver exceptional service and provide advice and guidance on financial solutions suited to customers’ needs and best interests.
• Proactively engage existing customers and prospects through needs-based assessments to build loyalty and identify current and future opportunities.
• Recommend tailored solutions for everyday banking, retail investments, lending, home financing, and small-business needs.
• Explain digital and self-service options to help customers bank easily, simply, and quickly.
• Support customer transactions based on branch traffic.
• Reach out to customers, generate appointments, and build new relationships in the community.
• Resolve questions and issues raised through consumer credit audits and quality checks, ensuring accurate data entry and compliant lending recommendations.
• Apply the risk-management framework to protect Bank assets and maintain the quality of the lending portfolio.
• Make credit recommendations for personal lending, including home financing, in accordance with sound credit principles and Bank policies.
• Collaborate as a member of the branch and market team, and contribute to business results and customer experience improvements.
• Integrate marketing promotions and programs into customer conversations and provide strategic advice about personal banking and credit-card needs.
• Organize work information to ensure accuracy and completeness, and find creative ways to personalize customer experiences.
• Follow risk and compliance policies and processes, safeguard customer assets and privacy, and act in customers’ best interests.
• Stay current with the financial-services marketplace, legal and regulatory requirements, and personal banking products, practices, and trends.
• Identify and report suspicious activity that may be related to money laundering.
• Analyze issues, determine next steps, and handle complex tasks or escalations within established rules and limits.
• Make sound, risk-informed decisions aligned with business strategy, approved risk appetite, applicable policies, laws, and regulations.

Benefits

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

What This Job Offers

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