Retail Relationship Banker

BMO • Wisconsin Rapids, WI

16d • $41,500 - $65,500

About The Position

Delivers exceptional service to BMO customers and prospects by identifying customer needs and providing advice and guidance on financial solutions in their best interests. Works collaboratively within the branch and through various channels with BMO partners to deliver the desired customer experience and achieve business objectives.

The role proactively engages existing customers and prospects through needs-based assessments, tailored advice, and outreach to grow loyalty and identify immediate and future opportunities. It supports customer transactions, recommends personal and small business banking solutions, and guides customers toward digital and self-service options. The role also contributes to lending decisions, risk management, compliance, and the ongoing improvement of the customer experience.

The position may involve work at multiple branches or through different channels based on market needs. The schedule may vary from week to week in days worked, 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.
• Canada only: Registration to sell investment products 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.
• Confident and experienced using social media, tablets, smartphones, online tools, and applications.
• Experience in a consultative customer service or sales role, with a drive to deliver a personal customer experience.
• Passionate commitment to helping customers.
• Focus on results and ability to thrive in a consultative sales and team-based environment.
• Resourceful self-starter with courage and confidence to approach customers.
• Readiness to collaborate and work in different capacities as part of a team.
• Strong interpersonal skills, including the ability to build rapport and connections with customers.
• Ability to listen, solve problems, and respond flexibly and creatively to new challenges.
• Specialized knowledge.
• Good verbal and written communication skills.
• Good organization skills.
• Good collaboration and team skills.
• Good analytical and problem-solving skills.
• U.S. only: Federal registration with the Nationwide Mortgage Licensing System and Registry is required for the role’s consumer loan origination activities; the Bank will provide instructions on registration requirements.
• U.S. only: 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

• Proactively engage existing customers and prospects through needs-based assessments to grow loyalty and identify current and future opportunities.
• Assess customer needs and recommend tailored banking solutions, including everyday banking, retail investments, lending, home financing, and small business solutions.
• Advise customers on digital and self-service options to make banking easy, simple, and fast.
• Support customer transactions based on customer traffic.
• Reach out to customers, generate appointments, and build new relationships within the community.
• Address questions and resolve issues identified through consumer credit audits and quality checks, ensuring accurate data entry and lending recommendations compliant with policies and regulations.
• Apply the risk management framework to protect bank assets and maintain lending portfolio quality in line with established requirements and guidelines.
• Make credit recommendations for personal lending transactions, including home financing, according to sound credit principles and Bank policies and procedures.
• Collaborate as a member of the branch and market team.
• Understand personal banking and credit card needs and integrate marketing promotions and programs into customer conversations.
• Organize work information to ensure accuracy and completeness.
• Find creative approaches to personalize customer experiences and contribute to ongoing improvement of the overall customer experience.
• Contribute to business results and the overall customer experience.
• Follow risk and compliance processes and policies to safeguard customer assets and privacy and act in customers’ best interests.
• Maintain current knowledge of the financial services marketplace, legal and regulatory environment, personal banking products, practices, and trends.
• Identify and report suspicious activity patterns suspected to relate to money laundering.
• Comply with jurisdictional legal and regulatory requirements and protect the Bank’s assets.
• Complete complex and diverse tasks within established rules and limits, including potentially handling escalations from other employees.
• Analyze issues and determine next steps.
• Make sound, risk-informed decisions consistent with business strategy, the Risk Management Framework, Risk Culture, approved Risk Appetite, applicable policies, laws, and regulations.

Benefits

• Health insurance
• Tuition reimbursement
• Accident and life insurance
• Retirement savings plans
• The company may also offer performance-based incentives, discretionary bonuses, and other perks and rewards, depending on pay type.

What This Job Offers

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