Retail Relationship Banker

Bank of Montreal•Albuquerque, NM

18d•Onsite

About The Position

The Retail Relationship Banker delivers exceptional service to BMO customers and prospects, identifying their needs and recommending financial solutions in their best interests. Working collaboratively with branch colleagues and partners across channels, the banker provides needs-based assessments, builds customer loyalty, and identifies immediate and future opportunities. Solutions may include everyday banking, retail investments, lending, home financing, and small-business services. The role also guides customers toward digital and self-service options and supports transactions according to branch traffic. The banker grows the business by reaching out to customers and prospects, generating appointments, and building community relationships. They make personal lending recommendations, including home financing, in accordance with sound credit principles and BMO policies. They follow risk, compliance, privacy, and lending requirements; protect bank assets; and identify and report activity suspected of being related to money laundering. Work may take place at multiple branches or through various channels, and weekly schedules may vary in days, hours, and shifts according to market needs. This role contributes to branch and market results, handles complex tasks and possible escalations, and supports improvements to the customer experience. The U.S. position acts as an originator of consumer loans and requires federal registration with the Nationwide Mortgage Licensing System and Registry. A criminal background review and credit history evaluation are required; restrictions apply to working in a real estate agent capacity.

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.
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 drive to provide a personal customer experience.
Confident use of 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 focus on results and thrive in a consultative sales and team-based environment.
Resourcefulness and confidence in approaching customers, with readiness to collaborate in different team capacities.
Good verbal and written communication, organization, collaboration, analytical, and problem-solving skills.
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, and restrictions apply to performing in a real estate agent capacity.

Nice To Haves

Experience in financial services is an asset.
For Canada positions, registration to sell investment products completed, as appropriate for the jurisdiction.

Responsibilities

Engage existing customers and prospects proactively, assess their needs, and recommend tailored banking, investment, lending, home-financing, and small-business solutions.
Advise customers about digital and self-service banking options and support transactions based on customer traffic.
Reach out to customers and prospects, generate appointments, and build new relationships in the community.
Make credit recommendations for personal lending transactions, including home financing, in accordance with credit principles, policies, and procedures.
Apply risk-management and lending controls to protect bank assets and maintain the quality of the lending portfolio.
Address questions and resolve issues raised through consumer credit audits and quality checks, ensuring accurate data entry and compliant lending recommendations.
Integrate relevant marketing promotions and programs into customer conversations.
Maintain current knowledge of personal banking products, practices, trends, financial services markets, and applicable legal and regulatory requirements.
Identify and report suspicious activity patterns suspected to be related to money laundering.
Safeguard customers’ assets and privacy and act in their best interests by following risk, compliance, legal, and ethical requirements.
Organize work information accurately and completely; analyze issues, determine next steps, and handle complex tasks or escalations as needed.
Collaborate with branch and market teams, contribute to business results, and identify ways to improve the customer experience.