Retail Relationship Banker

Bank of Montreal • Kokomo, IN

6d

About The Position

The Retail Relationship Banker delivers exceptional service to BMO customers and prospects, assesses their needs, and provides advice about financial solutions that are in their best interests. Working collaboratively within a branch and across various channels, the banker builds customer relationships, grows loyalty, and contributes to business objectives. The role includes recommending tailored everyday banking, retail investment, lending, home financing, and small business solutions, as well as helping customers use digital and self-service banking options.

The banker supports customer transactions, generates appointments, develops community relationships, and addresses issues identified through consumer credit audits and quality checks. The role makes personal lending credit recommendations, applies risk-management and compliance processes, and helps maintain the quality of the lending portfolio. The banker also identifies suspicious activity, protects customer privacy and the Bank’s assets, and stays current on financial products, market developments, and applicable legal and regulatory requirements.

This is a collaborative branch and market team position. The banker may work at multiple branches or through different channels depending on market needs; the schedule may vary from week to week in days, hours, and shifts. Other work or accountabilities may be assigned as needed.

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.
• Confident and experienced use of social media, tablets, smartphones, online tools, and applications.
• Experience in a consultative customer service or sales role.
• Strong commitment to helping customers and delivering a personal customer experience.
• Ability to achieve results in a consultative sales and team-based environment.
• Resourcefulness and confidence in 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 responses to new challenges.
• Good verbal and written communication skills.
• Good organizational skills.
• Good collaboration and teamwork skills.
• Good analytical and problem-solving skills.
• For Canada, completion of registration to sell investment products as appropriate for the jurisdiction.
• For U.S. positions, Federal registration with the Nationwide Mortgage Licensing System and Registry is required; a criminal background review and credit history evaluation are also required, along with restrictions on performing in a real estate agent capacity.

Nice To Haves

• Experience in financial services is an asset.

Responsibilities

• Deliver exceptional service and assess customer needs to recommend suitable financial solutions.
• Build customer loyalty and identify current and future opportunities through proactive, needs-based conversations.
• Recommend tailored everyday banking, investment, lending, home financing, and small business solutions.
• Help customers use digital and self-service banking options.
• Support customer transactions based on branch traffic.
• Generate appointments and build new customer relationships in the community.
• Address issues raised through consumer credit audits and quality checks, ensuring accurate data entry and lending recommendations.
• Apply risk-management processes and make personal lending credit recommendations in accordance with Bank policies and sound credit principles.
• Collaborate with branch and market team members to meet business objectives and improve the customer experience.
• Integrate relevant marketing promotions and programs into customer conversations.
• Organize work information accurately and completely, and resolve complex tasks or escalations within established rules and limits.
• Follow risk, compliance, privacy, and lending policies and applicable legal and regulatory requirements.
• Identify and report suspicious activity potentially related to money laundering.
• Maintain current knowledge of personal banking products, practices, trends, and the financial services marketplace.

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.

What This Job Offers

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