Retail Relationship Banker

Bank of Montreal • Denver, CO

3d • $43,000 - $75,000

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 across the branch, market, and other channels, the banker builds customer loyalty, identifies current and future opportunities, and contributes to business results and the customer experience.

The role involves conducting needs assessments and recommending tailored everyday banking, investment, lending, home-financing, and small-business solutions. The banker promotes digital and self-service options, supports transaction needs, reaches out to customers and prospects to generate appointments, and builds relationships in the community. The position also includes making personal lending credit recommendations, maintaining lending quality, resolving audit and quality-check issues, and following risk, compliance, privacy, and regulatory requirements.

This is a collaborative branch and market role that may involve working at multiple branches or through different channels according to market needs. Work schedules may vary from week to week in days, hours, and shifts. Additional work or accountabilities may be assigned as needed.

Requirements

• Typically 2–3 years of relevant experience.
• Post-secondary degree in a related field of study 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 the ability to deliver a personal customer experience.
• Confident and experienced use of social media, tablets, smartphones, online tools, and applications.
• Strong interpersonal skills, including the ability to build rapport and connections with customers.
• Ability to listen, solve problems, and respond flexibly and creatively 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 role’s consumer-loan origination duties; the Bank will provide instructions on registration requirements. 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.
• A post-secondary degree in a related field of study is desirable.

Responsibilities

• Deliver exceptional service to BMO customers and prospects and provide advice based on their needs and best interests.
• Proactively engage customers and prospects, conduct needs assessments, and recommend tailored banking, investment, lending, home-financing, and small-business solutions.
• Explain digital and self-service options to help customers bank easily, simply, and quickly.
• Support customer transactions according to customer traffic.
• Reach out to customers, generate appointments, and build relationships in the community to grow BMO’s business.
• Address questions and resolve issues raised through consumer credit audits and quality checks, ensuring accurate data entry and lending recommendations.
• Apply the risk management framework to lending portfolios and protect the Bank’s assets while maintaining portfolio quality and compliance.
• Make credit recommendations for personal lending transactions, including home financing, in accordance with sound credit principles and Bank policies.
• Collaborate as a member of a versatile branch and market team; contribute to business results and improve the customer experience.
• Discuss personal banking and credit card needs, and incorporate relevant marketing promotions and programs into customer conversations.
• Organize work information to ensure accuracy and completeness; identify creative ways to personalize customer experiences.
• Follow risk, compliance, privacy, lending, legal, regulatory, and ethical processes and policies.
• Maintain current knowledge of the financial services marketplace, regulatory environment, personal banking products, practices, and trends.
• Identify and report suspicious activity patterns potentially related to money laundering.
• Handle complex and diverse tasks within established limits, including possible escalations; analyze issues and determine next steps.
• Make sound, risk-informed decisions aligned with business strategy, approved risk appetite, applicable requirements, and the Bank’s Risk Management Framework.

Benefits

• Health insurance
• Tuition reimbursement
• Accident insurance
• Life insurance
• Retirement savings plans
• May include performance-based incentives, discretionary bonuses, and other perks and rewards

What This Job Offers

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