Retail Relationship Banker

BMO • Denver, CO

1d • $43,000 - $75,000

About The Position

The Retail Relationship Banker delivers exceptional service to BMO customers and prospects by identifying their needs and providing advice and guidance on appropriate financial solutions. Working collaboratively with branch colleagues and BMO partners across channels, the banker builds customer loyalty, develops relationships, and contributes to business results and a positive customer experience.

The role involves assessing customers’ banking and credit needs and recommending tailored solutions across everyday banking, investments, lending, home financing, and small business banking. The banker also promotes digital and self-service options, supports customer transactions, generates appointments, and makes credit recommendations in accordance with the Bank’s policies and sound credit principles.

The banker follows risk, compliance, and lending processes to protect customers’ assets and the Bank, maintain privacy, and meet legal and regulatory requirements. Work may involve multiple branches or channels, and schedules may vary from week to week in days, hours, and shifts. Broader work or accountabilities may be assigned as needed.

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 investment and lending products.
• Confident and experienced use of social media, tablets, smartphones, online tools, and applications.
• Experience in a consultative customer service or sales role.
• Commitment to helping customers and delivering a personal customer experience.
• Results focus and ability to thrive in a consultative sales and team-based environment.
• Resourcefulness, self-direction, and confidence approaching 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 flexibility in responding creatively 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, as appropriate for the jurisdiction.
• For the U.S.: 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. A criminal background review and credit history evaluation are required, along with restrictions on performing in a real estate agent capacity.

Nice To Haves

• A post-secondary degree in a related field of study is desirable.
• Experience in financial services is an asset.

Responsibilities

• Proactively engage existing customers and prospects, conduct needs-based assessments, and identify immediate and future opportunities.
• Recommend tailored banking and financial solutions, including everyday banking, investments, lending, home financing, and small business services.
• Advise customers on digital and self-service banking options.
• Support customer transactions based on branch traffic.
• Reach out to customers, generate appointments, and build new relationships in the community.
• Address questions and resolve issues from consumer credit audits and quality checks, ensuring accurate data entry and compliant 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, in accordance with credit principles and Bank policies.
• Collaborate as a member of the branch and market team, contributing to business results and customer experience.
• Identify personal banking and credit card needs and incorporate relevant marketing promotions and programs into customer conversations.
• Organize work information for accuracy and completeness, and seek creative ways to personalize and improve the customer experience.
• Follow risk and compliance policies and processes to safeguard customer assets, protect privacy, and act in customers’ best interests.
• Maintain knowledge of the financial services marketplace, regulatory environment, personal banking products, practices, and trends.
• Identify and report suspicious activity patterns potentially related to money laundering.
• Comply with applicable legal and regulatory requirements and protect Bank assets.
• Complete complex and diverse tasks within established rules and limits, handle escalations as needed, and analyze issues to determine next steps.
• Make measured, risk-informed decisions consistent with the Risk Management Framework, Risk Culture, approved Risk Appetite, applicable policies, and laws.

Benefits

• Health insurance
• Tuition reimbursement
• Accident and life insurance
• Retirement savings plans
• May include performance-based incentives, discretionary bonuses, and other perks and rewards

What This Job Offers

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