Retail Relationship Banker

Bank of Montreal • Eau Claire, WI

21d

About The Position

The Retail Relationship Banker delivers exceptional service to BMO customers and prospects, identifies their needs, and provides advice on financial solutions that are in their best interests. Working collaboratively within the branch and with BMO partners across channels, the banker helps deliver a positive customer experience and achieve business objectives. The role proactively engages existing customers and prospects through needs-based assessments, building loyalty and identifying immediate and future opportunities. It recommends tailored banking, investment, lending, home-financing, and small-business solutions, and explains digital and self-service options to make banking easier. The banker also supports customer transactions according to branch traffic and builds business by generating appointments and relationships in the community.

The position makes personal-lending credit recommendations, including home financing, and applies the Bank’s risk management framework to protect assets and maintain lending-portfolio quality. It addresses consumer credit audit and quality-check issues, follows legal and regulatory requirements, and protects customer privacy and assets. The banker keeps current on financial services, regulations, banking products, and industry practices, and identifies and reports suspicious activity potentially related to money laundering.

This role may involve work at multiple branches or through various channels, depending on market needs. The schedule may vary from week to week in days, hours, and shifts. The position may handle complex and diverse tasks within established rules and limits, including escalations, and may receive additional responsibilities as needed.

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.
• For Canada: investment-product sales registration completed, as appropriate for the jurisdiction.
• Appropriate lending qualifications and designations.
• Working knowledge of personal and small-business customer needs and solutions.
• Working knowledge of retail investments and lending products.
• Confidence and experience using social media, tablets, smartphones, online tools, and applications.
• Experience in a consultative customer service or sales role and a commitment to delivering a personal customer experience.
• Results focus and ability to thrive in a consultative sales and team-based environment.
• Resourcefulness and confidence in proactively 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.
• Listening, problem-solving, and flexible, creative response skills.
• Good verbal and written communication skills.
• Good organizational skills.
• Good collaboration and teamwork skills.
• Good analytical and problem-solving skills.
• For the U.S.: Federal registration with the Nationwide Mortgage Licensing System and Registry is required for the position’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.

Responsibilities

• Deliver exceptional service to customers and prospects, identify their needs, and provide advice on suitable financial solutions.
• Conduct needs-based assessments and recommend tailored everyday banking, investment, lending, home-financing, and small-business solutions.
• Explain available digital and self-service banking options to help customers bank easily and efficiently.
• Support customer transactions based on branch traffic.
• Engage customers and prospects, generate appointments, and build new community relationships to grow the business.
• Address questions and resolve issues from consumer credit audits and quality checks, ensuring accurate data entry and 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 credit principles and Bank policies.
• Collaborate as a member of a versatile branch and market team and contribute to business results and customer experience improvements.
• Integrate relevant marketing promotions and programs into customer conversations and provide strategic advice.
• Organize work information to ensure accuracy and completeness and seek creative ways to personalize customer experiences.
• Follow risk and compliance policies and processes to safeguard assets, protect privacy, and act in customers’ best interests.
• Stay current on financial services, legal and regulatory requirements, banking products, practices, and trends.
• Identify and report suspicious patterns of activity suspected to be related to money laundering.
• Make sound, risk-informed decisions aligned with business strategy, approved risk appetite, policies, laws, and regulations.

Benefits

• Health insurance
• Tuition reimbursement
• Accident and life insurance
• Retirement savings plans
• Performance-based incentives, discretionary bonuses, and other perks and rewards may be included in total compensation.
• In-depth 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