Retail Relationship Banker

Bank of Montreal • New York City, IL

23d

About The Position

The Retail Relationship Banker delivers exceptional service to BMO customers and prospects by identifying their needs and providing advice about financial solutions that serve their best interests. The role collaborates with branch colleagues and BMO partners across channels to create a strong customer experience and meet business objectives. It proactively engages customers and prospects, completes needs assessments, recommends tailored banking, investment, lending, home-financing, and small-business solutions, and helps customers use digital and self-service banking options. The banker also supports customer transactions according to branch traffic and grows relationships through outreach, appointments, and community engagement.

The role makes personal-lending credit recommendations, including home financing, in line with sound credit principles and Bank policies. It supports the quality and integrity of lending applications, responds to audit and quality-check questions, and applies risk-management processes to protect Bank assets and lending-portfolio quality. The banker safeguards customer assets and privacy, follows applicable policies and regulatory requirements, reports suspicious activity potentially related to money laundering, and keeps current with financial-services products, practices, and trends.

This position is a collaborative member of the branch and market team and may work at multiple branches or through different channels as market needs require. The work schedule may vary from week to week in days, hours, and shifts. Additional work or accountabilities may be assigned as needed.

Requirements

• Typically 2–3 years of relevant experience.
• Post-secondary degree in a related field of study is desirable, or an equivalent combination of education and experience.
• Canada only: Registration to sell investment products completed, 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 investments 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 commitment to delivering a personal customer experience.
• Results focus and ability to thrive in a consultative sales and team-based environment.
• Resourcefulness and confidence when approaching customers.
• Readiness 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 organizational skills.
• Good collaboration and teamwork skills.
• Good analytical and problem-solving skills.
• U.S. only: Federal registration with the Nationwide Mortgage Licensing System and Registry is required for this position; the Bank will provide instructions on registration requirements.
• U.S. only: A criminal background review and credit history evaluation are required, along with restrictions on performing in a real-estate-agent capacity.

Nice To Haves

• Experience in financial services is an asset.

Responsibilities

• Deliver exceptional customer service and identify customer needs through needs-based assessments.
• Recommend tailored financial solutions, including everyday banking, retail investments, lending, home financing, and small-business solutions.
• Guide customers toward digital and self-service options that make banking easier and faster.
• Support customer transaction needs based on branch traffic.
• Reach out to customers and prospects, generate appointments, and build relationships in the community.
• Make credit recommendations for personal lending transactions, including home financing, in accordance with credit principles and Bank policies.
• Address issues raised through consumer credit audits and quality checks to support accurate data entry and compliant lending recommendations.
• Apply risk-management processes to protect Bank assets and maintain lending-portfolio quality.
• Follow risk, compliance, privacy, legal, regulatory, and ethical requirements; identify and report suspicious activity that may relate to money laundering.
• Integrate relevant marketing promotions and programs into customer conversations.
• Organize work information accurately and completely, analyze issues, and determine next steps, including handling escalations when needed.
• Contribute to improving the customer experience and achieving business results.
• Maintain knowledge of personal banking products, practices, trends, and the broader financial-services marketplace.
• Collaborate as a versatile member of the branch and market team, potentially across multiple branches or channels.

Benefits

• Health insurance
• Tuition reimbursement
• Accident and life insurance
• Retirement savings plans
• Potential performance-based incentives, discretionary bonuses, perks, and rewards
• Training and coaching, manager support, and network-building opportunities

What This Job Offers

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