Retail Relationship Banker

BMO•Wausau, WI

19d•$41,500 - $65,500

About The Position

Delivers exceptional service to BMO customers and prospects by identifying their needs and providing advice and guidance on financial solutions that serve their best interests. Works collaboratively within the branch and with BMO partners across channels to provide a positive customer experience and achieve business objectives. Proactively engages existing and prospective customers through needs-based assessments, tailored recommendations, and relationship building. Provides advice on everyday banking, retail investments, lending, home financing, and small-business solutions, and helps customers use digital and self-service banking options. Supports customer transactions as needed and contributes to branch and market business results. The role includes making credit recommendations for personal lending, including home financing; applying risk-management practices to protect bank assets and maintain lending portfolio quality; and following applicable policies, laws, and regulatory requirements. The employee keeps current on personal banking products, industry practices, and the financial-services environment, and identifies suspicious activity that may relate to money laundering. Work may take place at multiple branches or through different channels, depending on market needs. The schedule may vary from week to week in days worked, hours, and shifts. BMO describes its compensation and benefits as potentially including performance-based incentives, discretionary bonuses, and other perks and rewards, in addition to health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans.

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.
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 drive to deliver a personal customer experience.
Confident and experienced use of social media, tablets, smartphones, online tools, and applications.
Passionate 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 the courage and 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, 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.
Canada only: Registration to sell investment products, completed as appropriate for the jurisdiction.
U.S. only: Federal registration with the Nationwide Mortgage Licensing System and Registry is required for consumer loan origination; 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.
Post-secondary degree in a related field of study is desirable.

Responsibilities

Proactively engage existing customers and prospects through needs-based assessments to build loyalty and identify immediate and future opportunities.
Recommend tailored financial solutions addressing customers’ sales and service needs, including everyday banking, retail investments, lending, home financing, and small-business solutions.
Advise customers on digital and self-service options to make banking easier, simpler, and faster.
Support customer transactions 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 raised through consumer credit audits and quality checks, ensuring accurate data entry and lending recommendations that comply with applicable requirements and processes.
Apply the risk-management framework to the portfolio and protect bank assets while maintaining lending portfolio quality.
Make credit recommendations for personal lending transactions, including home financing, in accordance with sound credit principles and bank policies and procedures.
Collaborate as a member of a branch and market team and contribute to business results and the overall customer experience.
Integrate marketing promotions and programs into customer conversations after understanding personal banking and credit-card needs.
Organize work information to ensure accuracy and completeness; analyze issues and determine next steps, including handling escalations when needed.
Find creative ways to personalize customer experiences and contribute to continuous improvement.
Follow risk and compliance processes to safeguard customers’ 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 patterns of activity suspected to be related to money laundering.
Comply with applicable jurisdictional legal and regulatory requirements and protect the Bank’s assets.
Make sound, risk-informed decisions consistent with business strategy, the Risk Management Framework, Risk Culture, approved Risk Appetite, and applicable policies and laws.
Undertake broader work or accountabilities as assigned.