Retail Relationship Banker

Bank of Montreal•HB Crete, IL

26d

About The Position

The Retail Relationship Banker delivers exceptional service to BMO customers and prospects, identifying their needs and recommending financial solutions in customers’ best interests. Working collaboratively with branch colleagues and BMO partners across channels, the banker builds customer loyalty, develops relationships in the community, and contributes to branch and business results. The role conducts needs-based assessments and recommends tailored everyday banking, investment, lending, home-financing, and small-business solutions, while helping customers use digital and self-service banking options. It also supports customer transactions based on branch traffic and may involve work at multiple branches or through different channels. Schedules may vary from week to week in days, hours, and shifts. The banker makes personal lending and home-financing credit recommendations in accordance with sound credit principles and Bank policies. The role applies risk-management practices, maintains lending portfolio quality, addresses audit and quality-check questions, and follows legal, regulatory, privacy, and compliance requirements. It includes recognizing and reporting suspicious activity potentially related to money laundering, maintaining current knowledge of banking products and the financial-services environment, and contributing to improvements in the customer experience. The role may also include complex tasks, escalations, and other accountabilities 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.
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 use of 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.
Passion for helping customers, a focus on results, and the ability to thrive in a consultative sales and team-based environment.
Resourcefulness and initiative when approaching customers, and readiness to collaborate in different team capacities.
Canada only: Registration to sell investment products, as appropriate for the jurisdiction.
Appropriate lending qualifications and designations.
U.S. only: Federal registration with the Nationwide Mortgage Licensing System and Registry is required for this consumer-loan originator position; the Bank will provide instructions on registration requirements.
U.S. only: 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.
Post-secondary degree in a related field of study.

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.
Engage existing customers and prospects proactively to build loyalty and identify current and future opportunities.
Advise customers on digital and self-service options and support transaction needs based on customer traffic.
Reach out to customers, generate appointments, and build relationships within the community.
Make credit recommendations for personal lending transactions, including home financing, following sound credit principles and Bank policies.
Apply risk-management practices to protect Bank assets and maintain lending portfolio quality.
Address questions and resolve issues raised through consumer credit audits and quality checks, ensuring accurate data entry and compliant lending recommendations.
Follow risk, compliance, legal, and regulatory policies to safeguard customer assets and privacy and act in customers’ best interests.
Identify and report suspicious patterns of activity suspected to be related to money laundering.
Maintain current knowledge of financial services, banking products, practices, trends, and the legal and regulatory environment.
Organize work information to ensure accuracy and completeness.
Collaborate with branch and market teams, contribute to business results, and seek ways to improve the customer experience.
Handle complex and diverse tasks within established limits and potentially address escalations from other employees.
Make sound, risk-informed decisions aligned with business strategy, the Bank’s Risk Management Framework, and approved Risk Appetite.