Retail Relationship Banker

BMO • Ripon, WI

9d • $41,500 - $65,500

About The Position

The Retail Relationship Banker delivers service and financial guidance to BMO customers and prospects, identifies their needs, and recommends tailored banking, investment, lending, home financing, and small business solutions. The role builds customer loyalty and relationships through needs-based conversations, outreach, appointments, community engagement, and guidance on digital and self-serve banking options. It also supports customer transactions and contributes to branch and market business results and customer experience.

The position works collaboratively across the branch and other channels, may serve at multiple branches, and may have a schedule that varies from week to week. It applies lending, risk, compliance, and data-quality requirements; makes personal lending credit recommendations; protects customer and Bank assets; and identifies suspicious activity. The role requires current knowledge of personal banking products, relevant practices and trends, and the financial services regulatory environment.

Requirements

• Typically 2–3 years of relevant experience.
• A 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 and a drive to provide a personal customer experience.
• Confident and experienced use of social media, tablets, smartphones, online tools, and applications.
• Passion for helping customers and a focus on delivering a personal customer experience.
• Results focus and ability to thrive 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 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.
• Canada only: Registration to sell investment products, as appropriate for the jurisdiction.
• U.S. only: Federal registration with the Nationwide Mortgage Licensing System and Registry is required for the role’s consumer loan origination duties. 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

• Engage existing customers and prospects proactively, conduct needs assessments, build loyalty, and identify current and future opportunities.
• Recommend tailored financial solutions for everyday banking, retail investments, lending, home financing, and small business needs.
• Explain digital and self-service banking options to make banking easier, simpler, and faster.
• Support customer transaction needs according to customer traffic.
• Reach out to customers, generate appointments, and build new relationships in the community.
• Address questions and resolve issues raised by consumer credit audits and quality checks, ensuring accurate data entry and lending recommendations.
• Apply risk management practices to protect Bank assets and maintain lending portfolio quality.
• Make credit recommendations for personal lending transactions, including home financing, consistent with sound credit principles and Bank policies.
• Collaborate as a member of the branch and market team.
• Understand customers’ personal banking and credit card needs and incorporate relevant marketing promotions and programs into customer conversations.
• Organize work information to ensure accuracy and completeness.
• Find creative ways to personalize customer experiences and contribute to continual improvement of the customer experience.
• Follow risk and compliance policies and processes to safeguard customer assets and privacy and act in customers’ best interests.
• Maintain current knowledge of 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.
• Protect Bank assets and comply with applicable legal, regulatory, and ethical requirements.
• Complete complex and diverse tasks within established rules and limits, handle escalations when needed, and analyze issues to determine next steps.
• Make sound, risk-informed decisions aligned with business strategy, the Bank’s Risk Management Framework and Risk Appetite, applicable policies, and laws and regulations.

Benefits

• Health insurance
• Tuition reimbursement
• Accident insurance
• Life insurance
• Retirement savings plans
• Performance-based incentives and discretionary bonuses may be included in the total compensation package.
• Other perks and rewards may be included in the total compensation package.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: No Education Listed