Retail Relationship Banker

Bank of Montreal • Prescott, WI

22d

About The Position

The Retail Relationship Banker delivers exceptional service to BMO customers and prospects by assessing their financial needs and recommending solutions in customers’ best interests. Working collaboratively across the branch and through other channels, the banker builds customer loyalty, develops relationships in the community, and contributes to branch business objectives.

The role involves advising customers on everyday banking, investments, lending, home financing, and small-business solutions; promoting digital and self-service banking; supporting transactions; generating appointments; and making credit recommendations for personal lending. The banker follows lending, risk, compliance, privacy, and anti-money-laundering requirements, maintains knowledge of financial products and the regulatory environment, and contributes to ongoing improvements in the customer experience. Work may take place at multiple branches or through various channels, and the schedule may vary from week to week.

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, with a focus on delivering a personal customer experience.
• Confident 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, organization, collaboration, teamwork, analytical, and problem-solving skills.
• For U.S. positions: Federal registration with the Nationwide Mortgage Licensing System and Registry is required; the Bank will provide instructions on registration requirements.
• For U.S. positions: 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.
• For Canada positions: Registration to sell investment products completed, as appropriate for the jurisdiction.

Responsibilities

• Deliver exceptional service and assess customer needs to recommend financial solutions that support their interests.
• Build customer loyalty and identify current and future opportunities through proactive, needs-based conversations.
• Recommend tailored everyday banking, retail investment, lending, home-financing, and small-business solutions.
• Explain digital and self-service options to make banking easy, simple, and fast.
• Support customer transaction needs based on branch traffic.
• Generate appointments and build new relationships in the community to grow the business.
• Address questions and resolve issues raised through credit audits and quality checks, ensuring accurate data entry and compliant lending recommendations.
• Apply risk-management requirements to protect bank assets and maintain lending portfolio quality.
• Make personal lending and home-financing credit recommendations in accordance with sound credit principles and bank policies.
• Collaborate as a member of the branch and market team and contribute to business results and the customer experience.
• Integrate relevant marketing promotions and programs into customer conversations.
• Organize work information accurately and completely, and find creative ways to personalize customer experiences.
• Follow risk, compliance, privacy, and customer-asset safeguarding processes and policies.
• Keep current with financial services, legal and regulatory requirements, personal banking products, practices, and trends.
• Identify and report suspicious activity patterns that may be related to money laundering.
• Analyze issues, determine next steps, handle complex tasks within established limits, and potentially address escalations from other employees.
• Take measured, risk-informed decisions in line with the Risk Management Framework, Risk Culture, approved Risk Appetite, policies, laws, and regulations.

Benefits

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

What This Job Offers

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