Retail Relationship Banker

BMO • Gurnee, IL

9d • $43,000 - $75,000

About The Position

The Retail Relationship Banker delivers exceptional service to BMO customers and prospects by identifying their needs and recommending financial solutions in customers’ best interests. The role works collaboratively across the branch and through other channels with BMO partners to deliver a strong customer experience and meet business objectives. It proactively engages customers and prospects through needs-based assessments, relationship-building, appointments, and tailored advice on everyday banking, investments, lending, home financing, and small business solutions. The banker also guides customers toward digital and self-service options and supports transaction needs based on branch traffic.

The position applies credit, risk, compliance, and lending policies when making personal lending recommendations and managing the quality of the lending portfolio. It protects customer and Bank assets, maintains privacy, responds to audits and quality checks, and identifies suspicious activity that may relate to money laundering. The role requires current knowledge of banking products, financial services, and the applicable legal and regulatory environment.

The banker contributes to a collaborative branch and market team, organizes accurate work information, resolves issues, and looks for ways to improve each customer’s experience. Work may take place at multiple branches or through different channels according to market needs. The schedule may vary from week to week in the days, hours, and shifts worked. Spanish-speaking ability is preferred.

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, with a focus on delivering a personal customer experience.
• Confident and experienced use of social media, tablets, smartphones, online tools, and applications.
• Strong commitment to helping customers and delivering a personal customer experience.
• Results focus and ability to thrive in a consultative sales and team-based environment.
• Resourceful self-starter with confidence to approach customers.
• Willingness 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, flexibility, and creativity in responding 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 must be completed when appropriate for the jurisdiction.
• For U.S. positions, federal registration with the Nationwide Mortgage Licensing System and Registry is required; 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

• Spanish-speaking ability is preferred.
• 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 on digital and self-service banking options.
• Support customer transactions according to customer traffic.
• Generate appointments and build new customer relationships in the community.
• Address questions and resolve issues raised through consumer credit audits and quality checks, ensuring accurate data entry and compliant lending recommendations.
• Apply the risk management framework to protect Bank assets and maintain lending portfolio quality in accordance with established requirements and guidelines.
• Make credit recommendations for personal lending transactions, including home financing, in accordance with credit principles and Bank policies.
• Collaborate as a member of a versatile branch and market team.
• Identify personal banking and credit card needs and incorporate relevant marketing promotions into customer conversations.
• Organize work information to ensure accuracy and completeness.
• Find creative ways to personalize the customer experience and contribute to its ongoing improvement.
• Follow risk and compliance processes to safeguard customer assets, maintain privacy, and act in customers’ best interests.
• Keep current with the financial services marketplace, legal and regulatory environment, and personal banking products, practices, and trends.
• Identify and report suspicious activity patterns suspected to be related to money laundering.
• Comply with jurisdictional legal and regulatory requirements and protect Bank assets.
• Complete complex and diverse tasks within applicable 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 aligned with business strategy, approved risk appetite, applicable policies, laws, and regulations.
• Perform other broader work or accountabilities as assigned.

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 depending on pay type.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: Associate degree