Retail Relationship Banker

Bank of Montreal•Lakewood, CO

14d

About The Position

The Retail Relationship Banker delivers exceptional service to BMO customers and prospects by assessing their needs and recommending financial solutions in their best interests. The role works collaboratively with branch colleagues and BMO partners across channels to provide a strong customer experience and meet business objectives. It proactively engages existing customers and prospects, builds loyalty, identifies current and future opportunities, and recommends tailored solutions spanning everyday banking, retail investments, lending, home financing, and small-business needs. The banker also helps customers use digital and self-service options and supports transaction needs according to customer traffic. The position grows business by reaching out to customers, generating appointments, and building community relationships. It makes personal-lending credit recommendations, including for home financing, and applies risk-management and compliance practices to protect bank assets and maintain portfolio quality. The banker resolves audit and quality-check issues, ensures accurate information and compliant recommendations, safeguards customer privacy, and identifies suspicious activity. The position may serve multiple branches or channels as market needs require, and its schedule may vary from week to week in days, hours, and shifts. The role requires keeping current on financial services, regulatory requirements, and personal banking products and trends. It contributes to a collaborative branch and market team, handles complex tasks and possible escalations within established limits, analyzes issues, and supports continuous improvement of the customer experience. Broader work or accountabilities may be assigned 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.
Appropriate lending qualifications and designations.
For Canada, registration to sell investment products completed, as appropriate for the jurisdiction.
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 and a commitment to delivering a personal customer experience.
Confidence and experience using social media, tablets, smartphones, online tools, and applications.
Strong interpersonal skills and ability to build rapport and connections with customers.
Ability to listen, solve problems, and respond flexibly and creatively to new challenges.
Ability to thrive in a consultative sales and team-based environment, take initiative, and approach customers confidently.
Readiness to collaborate and work in different capacities as part of a team.
Good verbal and written communication skills.
Good organizational skills.
Good collaboration and teamwork skills.
Good analytical and problem-solving skills.
For the U.S., the position acts as an originator of consumer loans under applicable regulations and requires federal registration with the Nationwide Mortgage Licensing System and Registry. The bank will provide instructions on registration requirements.
For the U.S., a criminal background review and credit history evaluation are required, and restrictions apply to performing in a real estate agent capacity.

Nice To Haves

Bilingual Spanish preferred.
Experience in financial services is an asset.
Specialized knowledge.

Responsibilities

Deliver exceptional service to customers and prospects and assess their personal banking and credit needs.
Recommend tailored financial solutions, including everyday banking, retail investments, lending, home financing, and small-business solutions.
Explain digital and self-service banking options to make banking easier, simpler, and faster.
Support customer transactions based on branch traffic.
Proactively engage existing customers and prospects, generate appointments, and build relationships in the community.
Make credit recommendations for personal lending transactions, including home financing, in accordance with credit principles and bank policies.
Apply the risk-management framework and lending guidelines to protect bank assets and maintain portfolio quality.
Address issues arising from consumer credit audits and quality checks, ensuring accurate data entry and compliant lending recommendations.
Follow risk, compliance, legal, regulatory, and privacy processes; identify and report suspicious activity that may relate to money laundering.
Keep current on financial-services developments, regulatory requirements, and personal banking products, practices, and trends.
Collaborate with branch and market teams and contribute to business results and customer-experience improvements.
Organize work information for accuracy and completeness; analyze issues and determine next steps, including handling escalations where applicable.
Integrate marketing promotions and programs into customer conversations and provide strategic advice.
Work across branches or channels as market needs require.