Retail Relationship Banker

BMO • Johnston, IA

14d • $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 on financial solutions in customers’ best interests. The role proactively engages existing customers and prospects, completes needs assessments, recommends tailored banking, investment, lending, home-financing, and small-business solutions, and explains digital and self-service options. The banker also supports customer transactions, builds relationships in the community, and contributes to branch and market business objectives and customer experience improvements.

The position makes personal lending credit recommendations, including for home financing, and applies risk-management, compliance, and lending policies to protect customer and bank assets. It involves working collaboratively across the branch and with BMO partners, maintaining knowledge of financial products and the regulatory environment, identifying suspicious activity, and completing varied tasks and escalations as needed. The role may involve working at multiple branches or through different channels, and the schedule may vary from week to week in days, hours, and shifts.

Requirements

• Typically 2–3 years of relevant experience and a post-secondary degree in a related field is desirable, or an equivalent combination of education and experience.
• For Canada: Registration to sell investment products, as appropriate for the jurisdiction.
• Appropriate lending qualifications and designations.
• Working knowledge of personal and small-business customer needs and solutions.
• Working knowledge of retail investment and lending products.
• Confidence and experience using social media, tablets, smartphones, online tools, and applications.
• Experience in a consultative customer service or sales role and a commitment to delivering a personal customer experience.
• Commitment to helping customers and a focus on results in a consultative sales and team-based environment.
• Resourcefulness and confidence 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 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 the U.S. role: Federal registration with the Nationwide Mortgage Licensing System and Registry is required. A criminal background review and credit history evaluation are required, and restrictions apply to performing in a real estate agent capacity.

Nice To Haves

• Experience in financial services is an asset.

Responsibilities

• Proactively engage existing customers and prospects, conduct needs-based assessments, and identify immediate and future opportunities.
• Recommend tailored solutions for everyday banking, investments, lending, home financing, and small-business needs.
• Explain digital and self-service banking options to help customers bank easily and efficiently.
• Support customer transactions according to customer traffic.
• Reach out to customers, generate appointments, and build relationships within the community.
• Address questions and resolve issues raised through consumer credit audits and quality checks, ensuring accurate data entry and compliant lending recommendations.
• Apply risk-management practices to protect bank assets and maintain lending portfolio quality.
• Make personal lending credit recommendations, including home-financing 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.
• Discuss customer banking and credit card needs and integrate relevant marketing promotions and programs into conversations.
• Organize work information to ensure it is accurate and complete.
• Find creative approaches to make customer experiences personal and contribute to ongoing customer experience improvements.
• Follow risk and compliance policies and processes to safeguard customer assets, protect privacy, and act in customers’ best interests.
• Stay informed about the financial services marketplace, legal and regulatory requirements, ethical standards, and personal banking products and trends.
• Identify and report suspicious activity patterns that may be related to money laundering.
• Protect bank assets and comply with applicable regulatory, legal, and ethical requirements.
• Analyze issues, determine next steps, and handle complex tasks or escalations as needed.
• Apply the Risk Management Framework and make sound, risk-informed decisions within approved risk appetite and applicable policies and laws.

Benefits

• Health insurance
• Tuition reimbursement
• Accident and life insurance
• Retirement savings plans
• Performance-based incentives, discretionary bonuses, and other perks and rewards may be included depending on pay type.

What This Job Offers

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