Retail Relationship Banker

Bank of Montreal•Kennewick, WA

About The Position

The Retail Relationship Banker delivers exceptional service to BMO customers and prospects by understanding their needs and recommending suitable financial solutions. 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 provides advice across everyday banking, retail investments, lending, home financing, and small business solutions, while helping customers use digital and self-service options. The banker also supports customer transactions according to branch traffic and may work at multiple branches or through different channels as market needs require. The role applies the bank’s risk management framework and follows lending, compliance, privacy, and regulatory requirements. It includes making personal lending credit recommendations, maintaining the quality of the lending portfolio, addressing audit and quality-check issues, and identifying suspicious activity that may be related to money laundering. The banker stays current on financial products, industry practices, and legal requirements, and contributes to a collaborative team and ongoing improvements to the customer experience.

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 commitment to delivering a personal customer experience.
Confident use of social media, tablets, smartphones, online tools, and applications.
Strong interpersonal skills and ability to build rapport 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.
Ability to thrive in a consultative sales and team-based environment, take initiative, and approach customers confidently.
Canada: Registration to sell investment products completed, as appropriate for the jurisdiction.
United States: Federal registration with the Nationwide Mortgage Licensing System and Registry is required; 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

Engage existing customers and prospects through needs-based assessments to build loyalty and identify current and future opportunities.
Recommend tailored banking, investment, lending, home financing, and small business solutions that meet customers’ sales and service needs.
Explain digital and self-service banking options to help customers bank easily and efficiently.
Support customer transactions based on branch traffic.
Generate appointments and build new customer relationships in the community.
Address questions and resolve issues identified through consumer credit audits and quality checks, supporting 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, including home financing, in accordance with credit principles and bank policies.
Integrate relevant marketing promotions and programs into customer conversations, including conversations about personal banking and credit card needs.
Maintain accurate and complete work information and seek ways to improve the customer experience.
Follow risk, compliance, privacy, lending, and regulatory processes and policies.
Keep current with financial services products and practices, and the legal and regulatory environment.
Identify and report suspicious activity patterns suspected to be related to money laundering.
Analyze issues, determine next steps, and handle complex tasks or escalations within applicable rules and limits.
Collaborate with branch and market teams and work across branches or channels as market needs require.
Make sound, risk-informed decisions aligned with business strategy, approved risk appetite, policy, and applicable laws and regulations.