Retail Relationship Banker

Bank of Montreal•HB Griffith, IN

25d

About The Position

Delivers exceptional service to BMO customers and prospects by identifying their needs and providing advice and guidance on financial solutions that are in their best interests. Works collaboratively within the branch and with BMO partners across channels to create a positive customer experience and achieve business objectives. Proactively engages existing and prospective customers through needs-based assessments, builds loyalty, and identifies immediate and future opportunities. Recommends tailored banking, investment, lending, home-financing, and small-business solutions, and helps customers use digital and self-service options. Supports customer transactions according to branch traffic and grows business through outreach, appointments, and community relationship-building. The role makes personal lending credit recommendations, including home financing, under the Bank’s policies and sound credit-granting principles. It applies risk-management and compliance practices to protect customer and Bank assets, maintain lending portfolio quality, protect privacy, and meet legal and regulatory requirements. The banker also contributes to a collaborative branch and market team, maintains current knowledge of banking products and the financial-services environment, and helps improve the customer experience. Work may take place at multiple branches or through different channels, and the schedule may vary from week to week in days, hours, and shifts. Broader work or accountabilities may be assigned as needed.

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 investments and lending products.
Experience in a consultative customer-service or sales role, with a focus on delivering a personal customer experience.
Confident and experienced using social media, tablets, smartphones, online tools, and applications.
Strong interpersonal skills, including the 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 to approach customers, collaborate, and work in different team capacities.
For U.S. positions: Federal registration with the Nationwide Mortgage Licensing System and Registry is required; a criminal background review and credit history evaluation are also required, and restrictions apply to performing in a real estate agent capacity.

Nice To Haves

Experience in financial services is an asset.
For Canada positions: Registration to sell investment products, as appropriate for the jurisdiction.

Responsibilities

Deliver exceptional service and needs-based advice to customers and prospects about financial solutions.
Conduct customer needs assessments and recommend tailored everyday banking, investment, lending, home-financing, and small-business solutions.
Explain digital and self-service banking options to make banking easy, simple, and fast.
Support customer transactions based on customer traffic.
Reach out to customers and prospects, generate appointments, and build relationships in the community.
Address questions and resolve issues raised through consumer credit audits and quality checks; ensure accurate data entry and lending recommendations.
Apply risk-management practices to protect Bank assets and maintain lending portfolio quality in compliance with lending requirements and guidelines.
Make credit recommendations for personal lending transactions, including home financing, in accordance with credit principles and Bank policies.
Collaborate with branch and market teams and contribute to business results and customer experience.
Integrate relevant marketing promotions and programs into customer conversations and provide strategic advice.
Organize work information to ensure accuracy and completeness, and identify creative ways to personalize and improve customer experiences.
Follow risk and compliance processes and policies, protect customer privacy and assets, and act in customers’ best interests.
Keep current with the financial-services marketplace, legal and regulatory environment, and personal banking products, practices, and trends.
Identify and report suspicious activity patterns suspected to be related to money laundering.
Complete complex and diverse tasks within established rules and limits, handle escalations when needed, and analyze issues to determine next steps.
Apply the Risk Management Framework and make sound, risk-informed decisions aligned with business strategy, approved risk appetite, policies, laws, and regulations.