Retail Relationship Banker

BMO • Brookfield, WI

9d • $41,500 - $65,500 • Onsite

About The Position

The Retail Relationship Banker delivers exceptional service to BMO customers and prospects by identifying customer needs and providing advice on financial solutions that serve their best interests. The role engages existing and prospective customers through needs-based assessments, recommends tailored banking, investment, lending, home financing, and small business solutions, and helps customers use digital and self-service banking options. The banker supports transactions, builds relationships in the community, generates appointments, and contributes to branch business results and customer experience.

The position works collaboratively across the branch and with BMO partners, and may involve working at multiple branches or through different channels based on market needs. Work schedules may vary from week to week in days, hours, and shifts. The role also supports lending portfolio quality and risk management, makes personal lending credit recommendations, ensures accurate and compliant lending practices, protects customer and bank assets, and follows applicable legal, regulatory, privacy, and ethical requirements. The banker stays current on personal banking products, financial services trends, and the regulatory environment, and may handle complex tasks or employee escalations.

Requirements

• Typically 2–3 years of relevant experience and a post-secondary degree in a related field, 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.
• Confident and experienced in using social media, tablets, smartphones, online tools, and applications.
• Experience in a consultative customer service or sales role, with 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 initiative, including confidence approaching 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, flexibility, and creativity when responding to new challenges.
• Good verbal and written communication skills.
• Good organization skills.
• Good collaboration and teamwork skills.
• Good analytical and problem-solving skills.
• For Canada: Registration to sell investment products completed, as appropriate for the jurisdiction.
• For the U.S.: 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.
• A post-secondary degree in a related field of study is desirable.

Responsibilities

• Proactively engage existing customers and prospects through needs-based assessments to strengthen loyalty and identify current and future opportunities.
• Recommend tailored solutions addressing sales and service needs, including everyday banking, retail investments, lending, home financing, and small business solutions.
• Advise customers on digital and self-service banking options.
• Support customer transaction needs according to branch traffic.
• Reach out to customers, generate appointments, and build relationships in the community.
• Address questions and resolve issues raised by consumer credit audits and quality checks, ensuring accurate data entry and compliant lending recommendations.
• Apply the risk management framework to the lending portfolio and help protect bank assets and portfolio quality.
• Make credit recommendations for personal lending transactions, including home financing, in accordance with credit principles and bank policies.
• Collaborate as a member of the branch and market team.
• Identify personal banking and credit card needs and incorporate relevant promotions into customer conversations.
• Organize work information to ensure accuracy and completeness.
• Find creative ways to personalize customer experiences and contribute to continuous improvement.
• Follow risk and compliance policies and processes to safeguard customer assets, protect privacy, and act in customers' best interests.
• Maintain knowledge of financial services, legal and regulatory requirements, personal banking products, practices, and trends.
• Identify and report suspicious activity patterns suspected to be related to money laundering.
• Protect bank assets and comply with applicable regulatory, legal, and ethical requirements.
• Complete complex and diverse tasks within established rules and limits, including handling escalations from other employees when needed.
• Analyze issues and determine next steps.
• Take measured, risk-informed actions in accordance with BMO's Risk Management Framework, Risk Culture, Risk Appetite, policies, laws, and regulations.

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 in the total compensation package.
• 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