Retail Relationship Banker

Bank of Montreal • HB Niwot, CO

24d

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 customers’ best interests. Working collaboratively with branch colleagues and BMO partners across channels, the role supports a strong customer experience and business objectives. The banker 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 role also supports customer transactions according to branch traffic and builds relationships in the community through outreach and appointments.

The position includes making personal lending credit recommendations, including for home financing, and applying risk-management practices to protect the Bank’s assets and maintain lending portfolio quality. The banker addresses audit and quality-check questions, ensures accurate data entry and compliant lending recommendations, and follows risk, privacy, legal, and regulatory requirements. The role may involve complex tasks and escalations, work at multiple branches or through various channels, and a schedule that varies from week to week based on market needs.

BMO describes its purpose as “Boldly Grow the Good in business and life” and says it supports employees with tools, resources, training, coaching, manager support, and network-building opportunities. The role is based at the Niwot branch, 97 2nd Ave.

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.
• Appropriate lending qualifications and designations.
• Working knowledge of personal and small-business customer needs and solutions.
• Working knowledge of retail investment and lending products.
• Consultative customer service or sales experience and a drive to deliver a personal customer experience.
• Confident and experienced use of social media, tablets, smartphones, online tools, and applications.
• Strong interpersonal skills, including the ability to build rapport and connections with customers.
• Ability to listen, solve problems, and respond flexibly and creatively to new challenges.
• Resourcefulness, self-direction, courage, and confidence in approaching customers.
• Ability to collaborate and work in different capacities as part of a team.
• Focus on results and ability to thrive in a consultative sales and team-based environment.
• 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 as appropriate for the jurisdiction.
• For U.S. positions, federal registration with the Nationwide Mortgage Licensing System and Registry is required; the Bank will provide instructions on registration requirements. 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

• Experience in financial services is an asset.
• A post-secondary degree in a related field of study is desirable.

Responsibilities

• Deliver exceptional service to BMO customers and prospects and provide advice in customers’ best interests.
• Proactively engage existing customers and prospects through needs-based assessments to grow loyalty and identify immediate and future opportunities.
• Recommend tailored financial solutions for everyday banking, retail investments, lending, home financing, and small-business needs.
• Explain digital and self-service banking options to make banking easy, simple, and fast.
• Support customer transactions according to customer traffic.
• Reach out to customers, generate appointments, and build relationships within the community to grow BMO’s business.
• Address issues raised through consumer credit audits and quality checks; ensure accurate data entry and compliant lending recommendations.
• Apply the risk-management framework to lending portfolios and make personal lending credit recommendations, including home-financing recommendations, in accordance with Bank policies and sound credit-granting principles.
• Collaborate with branch and market teams and contribute to business results and improvements in the customer experience.
• Discuss personal banking and credit-card needs, integrating marketing promotions and programs into customer conversations.
• Organize work information for accuracy and completeness, and find creative ways to personalize customer experiences.
• Follow risk, compliance, privacy, legal, and regulatory processes; protect customer and Bank assets and report suspicious activity suspected to be related to money laundering.
• Maintain current knowledge of financial services, the regulatory environment, personal banking products, practices, and trends.
• Analyze issues, determine next steps, and complete complex tasks, including escalations from other employees, within applicable rules and limits.
• Work at multiple branches or through different channels when market needs require it.

Benefits

• Health insurance
• Tuition reimbursement
• Accident insurance
• Life insurance
• Retirement savings plans
• 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