Retail Relationship Banker

BMO • Fort Morgan, CO

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 advice and guidance on suitable financial solutions. The role works collaboratively with branch colleagues and BMO partners across channels to create a strong customer experience and achieve business objectives. It proactively engages customers and prospects, completes needs-based assessments, builds relationships, supports transactions, and recommends tailored banking, investment, lending, home-financing, and small-business solutions. The banker also promotes digital and self-service options and helps customers use the channels that best suit them.

The position contributes to business growth through customer outreach, appointments, and community relationship-building. It makes personal lending credit recommendations in accordance with sound credit principles and Bank policies, manages risk and compliance responsibilities, and helps safeguard customer and Bank assets. The role may involve working at multiple branches or through different channels, with weekly schedules that can vary by days, hours, and shifts. Additional 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.
• For Canada-based roles, registration to sell investment products must be completed, as appropriate for the jurisdiction.
• 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 deliver a personal customer experience.
• Commitment to helping customers and a focus on results in a consultative sales and team-based environment.
• Confidence and experience using social media, tablets, smartphones, online tools, and applications.
• Resourcefulness and initiative, with the confidence to approach customers.
• Ability to collaborate and work in different capacities as part of a team.
• Strong interpersonal skills, including the 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 team skills.
• Good analytical and problem-solving skills.
• For U.S.-based roles, the position requires Federal registration with the Nationwide Mortgage Licensing System and Registry as a consumer loan originator under applicable regulations; a criminal background review and credit history evaluation are required, and restrictions apply to performing in a real estate agent capacity.

Nice To Haves

• 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.
• Recommend tailored financial solutions for customers’ sales and service needs, including everyday banking, retail investments, lending, home financing, and small-business solutions.
• Advise customers about digital and self-service options to make banking easy, simple, and fast.
• Support customer transaction needs based on customer traffic.
• Reach out to customers, generate appointments, and build new relationships in the community to grow BMO’s business.
• Address questions and resolve issues identified through consumer credit audits and quality checks, ensuring accurate data entry and appropriate lending recommendations.
• Apply risk-management practices to protect Bank assets and maintain lending portfolio quality in compliance with requirements and established guidelines.
• Make credit recommendations for personal lending transactions, including home financing, in accordance with sound credit-granting principles and Bank policies and procedures.
• Collaborate as a member of a versatile branch and market team.
• Understand customers’ personal banking and credit card needs and incorporate relevant marketing promotions and programs into customer conversations.
• Organize work information to ensure accuracy and completeness.
• Find creative ways to personalize customer experiences and contribute to ongoing customer experience improvements.
• Follow risk and compliance processes and policies to safeguard customer assets and privacy and act in customers’ best interests.
• Keep current with the financial services marketplace, legal and regulatory environment, personal banking products, practices, and trends.
• Identify and report suspicious activity patterns suspected to be related to money laundering.
• Comply with applicable jurisdictional legal and regulatory requirements and protect Bank assets in accordance with regulatory, legal, and ethical requirements.
• Complete complex and diverse tasks within established rules and limits, including handling escalations from other employees; analyze issues and determine next steps.
• Apply the Risk Management Framework and make sound, risk-informed decisions consistent with business strategy, approved risk appetite, applicable policies, laws, and regulations.

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 the total compensation package.

What This Job Offers

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