Retail Relationship Banker

BMO • Portland, OR

10d • $43,000 - $75,000

About The Position

Delivers exceptional service to BMO customers and prospects by identifying customer needs and providing advice and guidance on financial solutions that are in their best interests. Works collaboratively within the branch and with BMO partners across channels to provide the desired customer experience and achieve business objectives. Proactively engages existing and prospective customers, completes needs assessments, recommends tailored banking, investment, lending, home-financing, and small-business solutions, and explains digital and self-service options. Supports customer transactions based on branch traffic and grows business by generating appointments and building community relationships.

The role makes credit recommendations for personal lending, including home financing, applies risk-management practices to protect the Bank’s assets and lending portfolio, and ensures accurate applications and compliance with applicable policies and regulations. It also supports customer experience improvements, contributes to business results, maintains current knowledge of products and the financial-services environment, and identifies suspicious activity. Work may take place at multiple branches or through different channels; schedules may vary from week to week in days, hours, and shifts. Other duties may be assigned as needed.

Requirements

• Typically 2–3 years of relevant experience and a post-secondary degree in a related field is desirable, or an equivalent combination of education and experience.
• For Canada: completed 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.
• Experience in financial services is an asset.
• 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 provide 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-starter with the confidence to approach customers.
• Ability 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.
• Specialized knowledge.
• Good verbal and written communication skills.
• Good organizational 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 for this position as an originator of consumer loans under Regulation Z, Regulation G, and the S.A.F.E. Act. 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, or equivalent education and experience.

Responsibilities

• Proactively engage existing customers and prospects through needs-based assessments to build loyalty and identify current and future opportunities.
• Recommend tailored solutions for everyday banking, retail investments, lending, home financing, and small-business needs.
• Explain digital and self-service banking options to help customers bank easily, simply, and quickly.
• Support customer transactions according to customer traffic.
• Reach out to customers, generate appointments, and build new relationships in the community.
• Address questions and resolve issues raised through consumer credit audits and quality checks; ensure accurate data entry and lending recommendations comply with applicable requirements and policies.
• Apply the risk-management framework to the lending portfolio and protect the Bank’s assets and portfolio quality.
• Make credit recommendations for personal lending transactions, including home financing, in accordance with sound credit principles and Bank policies.
• Collaborate as a member of the branch and market team.
• Identify customers’ personal banking and credit-card needs and integrate marketing promotions and programs into customer conversations.
• Organize work information to ensure accuracy and completeness.
• Find creative ways to personalize customer experiences and contribute to ongoing improvements in the customer experience.
• Follow risk and compliance processes and policies to safeguard customer assets, protect privacy, and act in customers’ best interests.
• Maintain current knowledge of 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.
• Protect the Bank’s assets and comply with applicable legal, regulatory, and ethical requirements.
• Analyze issues, determine next steps, and complete complex and diverse tasks within established rules and limits, including possible escalations from other employees.
• Make sound, risk-informed decisions within the approved Risk Appetite and in alignment with business strategy and applicable policies, laws, and regulations.

Benefits

• Health insurance
• Tuition reimbursement
• Accident and life insurance
• Retirement savings plans
• The total compensation package may include performance-based incentives, discretionary bonuses, and other perks and rewards.
• Training and coaching, manager support, and network-building opportunities

What This Job Offers

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