Retail Relationship Banker

Bank of Montreal•Janesville, WI

25d

About The Position

The Retail Relationship Banker delivers exceptional service to BMO customers and prospects, identifying their needs and providing advice on financial solutions in their best interests. Working collaboratively within the branch and through other channels, the banker builds customer loyalty, identifies immediate and future opportunities, and contributes to business results and the overall customer experience. The role involves conducting needs-based assessments and recommending tailored everyday banking, investment, lending, home financing, and small business solutions. The banker guides customers toward digital and self-service options, supports transactions as traffic requires, and grows the business through outreach, appointments, and relationship-building in the community. The banker also makes personal lending credit recommendations, including for home financing, and applies risk management practices to protect the Bank’s assets and maintain portfolio quality. This position follows risk, compliance, privacy, legal, and regulatory requirements; keeps current with financial products and industry developments; and identifies and reports suspicious activity. The banker may handle escalations and complex tasks, work across multiple branches or channels, and have a schedule that varies by week in days, hours, and shifts. Broader work or accountabilities may be assigned as needed.

Requirements

Typically 2–3 years of relevant experience.
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.
Confident and experienced use of social media, tablets, smartphones, online tools, and applications.
Experience in a consultative customer service or sales role and a drive to deliver a personal customer experience.
Commitment to helping customers and a focus on results in a consultative sales and team-based environment.
Resourcefulness and initiative, with confidence to approach customers.
Ability to collaborate and work in different capacities as part of a team.
Strong interpersonal skills and the ability to build rapport and connections with customers.
Listening, problem-solving, and adaptable, creative responses to new challenges.
Good verbal and written communication skills.
Good organizational skills.
Good collaboration and teamwork skills.
Good analytical and problem-solving skills.
For the U.S.: Federal registration with the Nationwide Mortgage Licensing System and Registry is required for consumer loan origination under applicable regulations; the Bank will provide instructions on registration requirements.
For the U.S.: 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

Deliver exceptional service to customers and prospects and provide advice suited to their financial needs and interests.
Proactively engage existing customers and prospects, conduct needs assessments, and identify opportunities to grow customer loyalty and meet immediate or future needs.
Recommend tailored everyday banking, retail investment, lending, home financing, and small business solutions for customers’ sales and service 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 and prospects, generate appointments, and build relationships in the community to grow the business.
Address issues raised through consumer credit audits and quality checks, ensuring accurate data entry and lending recommendations that comply with applicable requirements and policies.
Apply the risk management framework to the lending portfolio and protect the Bank’s assets while maintaining portfolio quality and compliance with lending guidelines.
Make credit recommendations for personal lending transactions, including home financing, in accordance with credit principles and Bank policies and procedures.
Collaborate as a member of the branch and market team and contribute to business results and the customer experience.
Integrate relevant 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 seek creative ways to personalize and improve the customer experience.
Follow risk and compliance processes and policies to safeguard customer assets, protect privacy, and act in customers’ best interests.
Maintain current knowledge of the financial services marketplace, legal and regulatory environment, personal banking products, practices, and trends.
Identify and report suspicious patterns of activity suspected to be related to money laundering.
Complete complex and diverse tasks within established rules and limits, handle escalations when needed, analyze issues, and determine next steps.
Make measured, risk-informed decisions within the approved Risk Appetite and in accordance with business strategy, applicable policies, laws, and regulations.