Retail Relationship Banker

Bank of Montreal•Wilmette, IL

About The Position

The Retail Relationship Banker delivers exceptional service to BMO customers and prospects by identifying their needs and providing advice and guidance on appropriate financial solutions. Working collaboratively within the branch and with BMO partners across channels, the banker builds customer loyalty, develops relationships, and contributes to branch and business results. The role conducts needs assessments and recommends tailored everyday banking, investment, lending, home-financing, and small-business solutions. It supports customer transactions, promotes digital and self-service banking, generates appointments, and builds relationships in the community. The banker also makes personal-lending credit recommendations, supports the quality and risk management of the lending portfolio, and addresses questions and issues from credit audits and quality checks. The position requires adherence to lending policies, legal and regulatory requirements, risk and compliance processes, privacy obligations, and ethical standards. The banker maintains current knowledge of banking products and the financial services environment, identifies suspicious activity that may relate to money laundering, and contributes to ongoing improvements in customer experience. Work may take place at multiple branches or through different channels, and the schedule may vary from week to week.

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 investments 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 thrive in a consultative sales and team-based environment.
Resourcefulness and confidence when 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 organization skills.
Good collaboration and teamwork skills.
Good analytical and problem-solving skills.
For Canada: Registration to sell investment products completed, as appropriate for the jurisdiction.
For the U.S.: Federal registration with the Nationwide Mortgage Licensing System and Registry is required for the consumer-loan originator role; 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.
Post-secondary degree in a related field of study.

Responsibilities

Deliver exceptional service to customers and prospects and identify their financial needs.
Conduct needs-based assessments and recommend tailored banking, investment, lending, home-financing, and small-business solutions.
Advise customers on digital and self-service banking options.
Support customer transaction needs according to customer traffic.
Reach out to customers and prospects, generate appointments, and build relationships within the community.
Make credit recommendations for personal lending transactions, including home financing, in accordance with sound credit principles and bank policies.
Address questions and resolve issues raised through consumer credit audits and quality checks.
Apply risk management practices to protect bank assets and maintain lending portfolio quality.
Collaborate as a member of the branch and market team and contribute to business results and customer experience.
Integrate relevant marketing promotions and programs into customer conversations.
Organize work information to ensure accuracy and completeness and seek creative ways to personalize and improve customer experience.
Follow risk, compliance, privacy, legal, and regulatory processes and policies.
Maintain current knowledge of financial services, the regulatory environment, and personal banking products, practices, and trends.
Identify and report suspicious patterns of activity suspected to be related to money laundering.
Analyze issues, determine next steps, and handle complex tasks or escalations within applicable rules and limits.