Retail Relationship Banker

BMO•Riverton, UT

1d•$41,500 - $65,500

About The Position

The Retail Relationship Banker delivers exceptional service to BMO customers and prospects by identifying their needs and providing guidance on financial solutions in their best interests. The role works collaboratively across the branch and with BMO partners to deliver a positive customer experience and meet business objectives. It proactively engages existing customers and prospects, conducts needs assessments, recommends tailored banking, investment, lending, home-financing, and small-business solutions, and helps customers use digital and self-service options. The role also supports transactions, develops community relationships, and contributes to branch and market results. The position makes credit recommendations for personal lending, including home financing, and applies risk-management practices to protect bank assets and maintain lending quality. It follows compliance and privacy requirements, supports accurate lending applications and audit responses, recognizes and reports suspicious activity, and keeps current on financial products, industry practices, and relevant regulations. Work may take place at multiple branches or through different channels, and schedules may vary from week to week. BMO describes its purpose as “Boldly Grow the Good in business and life” and says it supports employees through training, coaching, manager support, and networking opportunities. The position’s salary range is $41,500–$65,500. Benefits may include health insurance, tuition reimbursement, accident and life insurance, retirement savings plans, performance-based incentives, discretionary bonuses, and other perks and rewards.

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.
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 commitment to delivering a personal customer experience.
Confident and experienced 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.
Resourcefulness and confidence in approaching customers; ability to thrive in a consultative sales and team-based environment.
Readiness to collaborate and work in different capacities as part of a team.
Good verbal and written communication skills.
Good organization skills.
Good collaboration and teamwork skills.
Good analytical and problem-solving skills.
Canada only: Registration to sell investment products, as appropriate for the jurisdiction.
U.S. only: Federal registration with the Nationwide Mortgage Licensing System and Registry is required for this consumer-loan originator position; a criminal background review and credit history evaluation are also required, and restrictions apply to working as a real estate agent.

Nice To Haves

A post-secondary degree in a related field of study is desirable.
Experience in financial services is an asset.

Responsibilities

Proactively engage existing customers and prospects through needs-based assessments to build loyalty and identify current and future opportunities.
Assess customer needs and recommend tailored solutions for everyday banking, investments, lending, home financing, and small-business banking.
Advise customers on digital and self-service options and support transactions according to customer traffic.
Reach out to customers, generate appointments, and build new relationships in the community.
Address questions and resolve issues arising from consumer credit audits and quality checks, ensuring accurate data entry and lending recommendations comply with requirements and policies.
Apply risk-management practices to protect bank assets and maintain the quality of the lending portfolio.
Make credit recommendations for personal lending transactions, including home financing, in accordance with sound credit principles and bank policies.
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 to provide strategic advice.
Organize work information accurately and completely, analyze issues, and determine next steps, including handling escalations when assigned.
Find creative ways to personalize customer experiences and contribute to ongoing improvements.
Follow risk, compliance, privacy, and legal processes and policies; protect customer assets and act in customers’ best interests.
Stay current on financial services, the legal and regulatory environment, personal banking products, practices, and trends.
Identify and report suspicious activity patterns that may be related to money laundering.
Take sound, risk-informed decisions aligned with business strategy, approved risk appetite, and applicable policies, laws, and regulations.
Perform other broader work or accountabilities as assigned.