Retail Relationship Banker

BMO•Eau Claire, WI

22d•$41,500 - $65,500

About The Position

The Retail Relationship Banker delivers exceptional service to BMO customers and prospects by identifying their needs and providing guidance on financial solutions that serve their best interests. The role works collaboratively within the branch and across channels with BMO partners to deliver a strong customer experience and achieve business objectives. The banker proactively engages existing and prospective customers, conducts needs-based assessments, and recommends tailored solutions across everyday banking, investments, lending, home financing, and small business banking. The role also promotes digital and self-service options, supports transaction needs, builds community relationships, and contributes to branch sales and service results. The position may involve working at multiple branches or through different channels; schedules may vary from week to week in days, hours, and shifts. The role makes personal lending credit recommendations, including for home financing, and applies BMO’s risk management framework and lending policies. It follows applicable legal, regulatory, privacy, compliance, and ethical requirements, including identifying and reporting suspicious activity. In the U.S., the position requires federal registration with the Nationwide Mortgage Licensing System and Registry and is subject to criminal background and credit history reviews and restrictions on serving as a real estate agent. BMO supports team members with training, coaching, manager support, and opportunities to build skills and networks. Compensation may include commission structures, performance incentives, discretionary bonuses, and other rewards, depending on the position’s pay type.

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.
For Canada: registration to sell investment products completed, 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.
Confident and experienced use of social media, tablets, smartphones, online tools, and applications.
Experience in a consultative customer service or sales role, with a drive to deliver a personal customer experience.
Commitment to helping customers and delivering a personalized customer experience.
Results orientation 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, flexibility, and creativity when 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 the U.S.: federal registration with the Nationwide Mortgage Licensing System and Registry is required; 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

Proactively engage existing customers and prospects through needs-based assessments to strengthen loyalty and identify immediate and future opportunities.
Recommend tailored financial solutions addressing banking, investment, lending, home financing, and small business needs.
Explain digital and self-service options to make banking easier, simpler, and faster.
Support customer transaction needs based on branch traffic.
Reach out to customers, generate appointments, and build relationships within 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 compliant lending recommendations.
Apply the risk management framework to lending portfolios and protect the Bank’s assets while maintaining portfolio quality.
Make credit recommendations for personal lending transactions, including home financing, in accordance with credit principles and Bank policies.
Collaborate as a member of a branch and market team and contribute to business results and customer experience.
Integrate marketing promotions and programs into customer conversations and provide strategic advice about personal banking and credit card needs.
Organize work information to ensure accuracy and completeness.
Find creative ways to personalize customer experiences and contribute to ongoing improvements.
Follow risk and compliance policies to safeguard customer assets, protect privacy, and act in customers’ best interests.
Stay current on 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.
Protect Bank assets and comply with applicable regulatory, legal, and ethical requirements.
Complete complex and diverse tasks within established rules and limits, including handling escalations, and analyze issues to determine next steps.
Make sound, risk-informed decisions aligned with business strategy, the Risk Management Framework, approved Risk Appetite, policies, and applicable laws and regulations.