Retail Relationship Banker

BMO • Lakewood, CO

16d • $43,000 - $75,000 • Onsite

About The Position

The Retail Relationship Banker delivers exceptional service to BMO customers and prospects by identifying their needs and recommending financial solutions in their best interests. Working collaboratively with branch and market teams and through various channels, the banker builds customer loyalty, grows business, and supports a personalized customer experience. The role provides needs-based advice on everyday banking, retail investments, lending, home financing, and small-business solutions, and helps customers use digital and self-service banking options.

The banker supports transactions as needed, reaches out to customers and prospects to generate appointments and build community relationships, and makes personal lending credit recommendations in accordance with bank policies and sound credit principles. The role also applies risk-management and compliance processes, maintains knowledge of banking products and the financial-services environment, and identifies suspicious activity. Work may take place at multiple branches or through different channels, and schedules may vary from week to week based on market needs.

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 drive to provide a personal customer experience.
• Confident and experienced use of social media, tablets, smartphones, online tools, and applications.
• Strong commitment to helping customers and delivering a personal customer experience.
• Results focus and ability to thrive in a consultative sales and team-based environment.
• Resourceful self-starter with the courage and confidence to approach customers.
• Readiness to collaborate and work in different capacities as part of a team.
• Strong interpersonal skills and ability to build rapport and connections with customers.
• Listening, problem-solving, and flexible, creative responses to new challenges.
• Good verbal and written communication skills.
• Good organization skills.
• Good collaboration and teamwork skills.
• Good analytical and problem-solving skills.
• For U.S. positions, the role acts as an originator of consumer loans under Regulation Z, Regulation G, and the S.A.F.E. Act; Federal registration with the Nationwide Mortgage Licensing System and Registry is required. A criminal background review, credit history evaluation, and restrictions on working as a real estate agent also apply.
• For Canada positions, registration to sell investment products must be completed as appropriate for the jurisdiction.

Nice To Haves

• Bilingual Spanish is preferred.
• Experience in financial services is an asset.
• Specialized knowledge.

Responsibilities

• Engage existing customers and prospects proactively, conduct needs assessments, and identify immediate and future opportunities.
• Recommend tailored banking, investment, lending, home-financing, and small-business solutions that address customer sales and service needs.
• Advise customers on digital and self-service banking options.
• Support customer transaction needs based on branch traffic.
• Reach out to customers and prospects, generate appointments, and build relationships in the community.
• Address questions and resolve issues identified through consumer credit audits and quality checks, ensuring accurate data entry and compliant lending recommendations.
• Apply the risk-management framework to protect bank assets and maintain lending portfolio quality.
• Make credit recommendations for personal lending transactions, including home financing, in accordance with sound credit principles and bank policies.
• Collaborate as a member of the branch and market team.
• Explore 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 make customer experiences personal and contribute to improving the overall customer experience.
• Follow risk and compliance policies and processes to safeguard customer assets and privacy and act in customers’ best interests.
• Stay current on the financial-services marketplace, legal and regulatory requirements, ethical standards, 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 regulatory, legal, and ethical requirements.
• Complete complex and diverse tasks within established rules and limits, including escalations from other employees; analyze issues and 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.
• Undertake broader work or accountabilities as assigned.

Benefits

• Health insurance
• Tuition reimbursement
• Accident and life insurance
• Retirement savings plans
• The total compensation package may include performance-based incentives, discretionary bonuses, and other perks and rewards.
• Training and coaching, manager support, and network-building opportunities

What This Job Offers

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