Retail Relationship Banker

Bank of Montreal•Tucson, AZ

10d

About The Position

The Retail Relationship Banker delivers exceptional service to BMO customers and prospects by understanding their needs and recommending financial solutions in customers’ best interests. Working collaboratively within the branch and with partners across channels, the banker builds customer loyalty and relationships, provides advice on personal and small-business banking solutions, and supports transactions as needed. The role also helps customers use digital and self-service banking options and contributes to branch and market business objectives. The banker completes needs assessments, recommends tailored banking, investment, lending, home-financing, and small-business solutions, and makes personal lending credit recommendations in accordance with established principles and policies. The role includes managing risk, maintaining accurate records and lending recommendations, addressing audit and quality-check issues, and following legal, regulatory, privacy, and compliance requirements. The banker may work at multiple branches or through different channels, and the work schedule may vary from week to week by days, hours, and shifts. The position requires current knowledge of banking products, practices, trends, and the financial-services regulatory environment. The banker identifies suspicious activity, protects the Bank’s assets, collaborates with the team, and contributes to ongoing improvements in 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.
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, with a focus on delivering a personal customer experience.
Confident and experienced use of social media, tablets, smartphones, online tools, and applications.
Strong interpersonal skills and the ability to build rapport and connections with customers.
Ability to listen, solve problems, and respond flexibly and creatively to new challenges.
Results orientation and ability to thrive in a consultative sales and team-based environment.
Resourcefulness and confidence approaching customers.
Ability 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.
Appropriate lending qualifications and designations.
U.S. only: Federal registration with the Nationwide Mortgage Licensing System and Registry is required for the role’s consumer-loan origination duties; the Bank will provide instructions on registration requirements.
U.S. only: A criminal background review and credit history evaluation are required, along with restrictions on performing in a real-estate-agent capacity.

Nice To Haves

Experience in financial services is an asset.
Specialized knowledge.

Responsibilities

Deliver exceptional service and provide advice and guidance on financial solutions suited to customer needs and interests.
Proactively engage existing customers and prospects through needs-based assessments to build loyalty and identify current and future opportunities.
Recommend tailored personal banking, retail investment, lending, home-financing, and small-business solutions.
Explain digital and self-service options to help customers bank easily, simply, and quickly.
Support customer transaction needs based on branch traffic.
Reach out to customers, generate appointments, and build relationships in the community.
Address questions and resolve issues identified through consumer credit audits and quality checks, ensuring accurate data entry and lending recommendations.
Apply the risk management framework to protect Bank assets and maintain the quality of the lending portfolio.
Make credit recommendations for personal lending, 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 and provide strategic advice.
Organize work information to ensure accuracy and completeness, and find creative ways to personalize customer interactions.
Follow risk, compliance, privacy, legal, regulatory, and ethical policies and processes.
Maintain current knowledge of the financial-services marketplace, regulatory environment, and personal banking products, practices, and trends.
Identify and report suspicious activity patterns suspected to be related to money laundering.
Analyze issues, determine next steps, and handle complex tasks or escalations within applicable rules and limits.
Work at multiple branches or through various channels based on market needs, as required.