Retail Relationship Banker

Bank of Montreal•Bensenville, IL

25d

About The Position

The Retail Relationship Banker delivers exceptional service to BMO customers and prospects, identifying their needs and providing advice and guidance on financial solutions that serve their best interests. Working collaboratively within the branch and with BMO partners across channels, the banker helps deliver a strong customer experience and achieve business objectives. The role proactively engages existing customers and prospects through needs-based assessments, tailored recommendations, relationship building, and outreach. Spanish-speaking ability is preferred. The banker advises customers on personal banking, retail investments, lending, home financing, and small-business solutions, and promotes digital and self-service options. The role supports customer transactions according to branch traffic and may involve working at multiple branches or through different channels. Schedules may vary from week to week in days, hours, and shifts. The position also makes personal lending credit recommendations, applies risk-management practices, and follows lending, compliance, legal, and regulatory requirements. It contributes to branch and market results, protects customer and bank assets, maintains current product and industry knowledge, and may handle complex tasks and escalations within established limits.

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 and a drive to deliver a personal customer experience.
Confident and experienced use of 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.
Resourcefulness and confidence in approaching customers, with readiness to collaborate in different team capacities.
For U.S. positions: Federal registration with the Nationwide Mortgage Licensing System and Registry is required for consumer-loan origination under applicable regulations; a criminal background review and credit-history evaluation are required, and restrictions apply to performing in a real-estate-agent capacity.

Nice To Haves

Spanish-speaking ability.
Experience in financial services.
For Canada positions: Registration to sell investment products, as appropriate for the jurisdiction.

Responsibilities

Deliver exceptional service to customers and prospects and identify their financial needs.
Conduct needs assessments and recommend tailored banking, investment, lending, home-financing, and small-business solutions.
Explain digital and self-service banking options to help customers bank easily and efficiently.
Support customer transactions based on customer traffic.
Proactively contact customers and prospects, generate appointments, and build relationships in the community.
Address issues identified through consumer credit audits and quality checks, ensuring accurate data entry and appropriate lending recommendations.
Apply risk-management practices to protect bank assets and maintain lending portfolio quality.
Make credit recommendations for personal lending transactions, including home financing, in accordance with bank policies and sound credit principles.
Integrate marketing promotions and programs into customer conversations and provide strategic advice.
Organize work information to ensure accuracy and completeness and contribute ideas to improve customer experience.
Follow risk and compliance policies to protect customer assets and privacy and act in customers’ best interests.
Maintain current knowledge of financial services, applicable legal and regulatory requirements, and personal banking products, practices, and trends.
Identify and report suspicious activity that may be related to money laundering.
Protect the Bank’s assets and comply with regulatory, legal, and ethical requirements.
Analyze issues, determine next steps, and complete complex or diverse tasks within established rules and limits; handle escalations from other employees when needed.
Make sound, risk-informed decisions aligned with business strategy, the Risk Management Framework, approved Risk Appetite, and applicable policies and laws.