Retail Relationship Banker

BMO • Greenwood Village, CO

3d • $43,000 - $75,000 • Onsite

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 financial solutions in their best interests. The role works collaboratively with branch colleagues and BMO partners across channels to create a positive customer experience and achieve business objectives. It proactively engages customers and prospects, completes needs-based assessments, recommends tailored banking, investment, lending, home-financing, and small-business solutions, and helps customers use digital and self-service options. The position may involve working at multiple branches or through different channels depending on market needs, and schedules may vary from week to week in workdays, hours, and shifts.

The banker contributes to business results by building relationships, generating appointments, making appropriate lending recommendations, supporting transactions, and protecting the quality of the lending portfolio. The role also follows risk-management, compliance, privacy, and regulatory requirements; monitors for suspicious activity; maintains current knowledge of financial products and the marketplace; and contributes to improvements in the customer experience. Broader work or accountabilities may be assigned as needed.

Requirements

• Typically 2–3 years of relevant experience.
• Post-secondary degree in a related field is desirable, or an equivalent combination of education and experience.
• For Canada: Registration to sell investment products, 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.
• Confidence and experience using social media, tablets, smartphones, online tools, and applications.
• Experience in a consultative customer-service or sales role and a drive to deliver a personal customer experience.
• 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-starting approach and confidence to approach customers.
• Readiness to collaborate and work in different capacities as part of a team.
• Strong interpersonal skills and 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 teamwork skills.
• Good analytical and problem-solving skills.
• For the U.S.: Federal registration with the Nationwide Mortgage Licensing System and Registry is required because the role originates consumer loans under applicable regulations. 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.

Responsibilities

• Engage existing customers and prospects proactively, assess their needs, and identify immediate and future opportunities to grow loyalty.
• Recommend tailored financial solutions for everyday banking, retail investments, lending, home financing, and small-business needs.
• Explain digital and self-service options to help customers bank easily, simply, and quickly.
• Support customer transaction needs according to customer traffic.
• Reach out to customers, generate appointments, and build new relationships in the community.
• Address issues arising from 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.
• Make personal lending and home-financing credit recommendations in accordance with sound credit principles and bank policies.
• Collaborate as a member of a branch and market team.
• Understand 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 customer experiences and contribute to ongoing improvements in customer experience.
• Follow risk, compliance, privacy, and customer-asset protection processes and policies.
• Keep current with financial services, legal and regulatory developments, and 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.
• Complete complex and diverse tasks within established rules and limits, including possible escalations from other employees; analyze issues and determine next steps.
• Make sound, risk-informed decisions consistent with business strategy, the Risk Management Framework, approved Risk Appetite, policies, laws, and regulations.

Benefits

• Health insurance
• Tuition reimbursement
• Accident insurance
• Life insurance
• Retirement savings plans
• In-depth training and coaching
• Manager support
• Network-building opportunities
• 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