Retail Relationship Banker

BMO•Kokomo, IN

3d•$41,500 - $65,500

About The Position

The Retail Relationship Banker delivers exceptional service to BMO customers and prospects by identifying customer needs and providing advice on financial solutions in their best interests. The role works collaboratively within the branch and with BMO partners across channels to deliver the desired customer experience and achieve business objectives. The banker proactively engages existing customers and prospects, completes needs assessments, recommends tailored banking, investment, lending, home-financing, and small-business solutions, and promotes digital and self-service options. The position supports customer transactions, generates appointments, builds community relationships, and contributes to business results and continuous improvement of the customer experience. The role also supports personal lending and home-financing decisions, makes credit recommendations in line with sound credit-granting principles, and applies BMO’s risk-management framework to protect assets and maintain portfolio quality. It requires compliance with legal, regulatory, lending, privacy, and ethical requirements, including identifying and reporting suspicious activity. The banker stays current on financial services, personal banking products, practices, and trends, and handles complex tasks and escalations within established rules and limits. The banker may work at multiple branches or through different channels according to market needs. The work schedule may vary from week to week in days, hours, and shifts. Typically, the role requires two to three years of relevant experience and a post-secondary degree in a related field, or an equivalent combination of education and experience.

Requirements

Typically two to three years of relevant experience and a post-secondary degree in a related field of study, 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 investments and lending products.
Experience in a consultative customer-service or sales role and a drive to provide a personal customer experience.
Passionate commitment to helping customers and a focus on results in a consultative, team-based environment.
Confident and experienced use of social media, tablets, smartphones, online tools, and applications.
Resourceful self-starter with the 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 team skills.
Good analytical and problem-solving skills.
For U.S. positions: Federal registration with the Nationwide Mortgage Licensing System and Registry is required for the role’s consumer loan origination activities; 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.
For Canada positions, registration to sell investment products completed, as appropriate for the jurisdiction.

Responsibilities

Proactively engage existing customers and prospects through needs-based assessments to grow loyalty and identify current and future opportunities.
Assess customer needs and recommend tailored banking, investment, lending, home-financing, and small-business solutions.
Advise customers on digital and self-service options to make banking easier, simpler, and faster.
Support customer transaction needs based on customer traffic.
Generate appointments and build new customer relationships within the community.
Address questions and resolve issues raised through consumer credit audits and quality checks, ensuring accurate data entry and compliant lending recommendations.
Apply risk-management practices to protect bank assets and maintain lending 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 the branch and market team and contribute to business results and customer experience.
Integrate relevant marketing promotions and programs into customer conversations to provide strategic advice.
Maintain accurate and complete work information and seek creative ways to personalize and improve the customer experience.
Follow risk and compliance processes and policies to safeguard customer assets, protect privacy, and act in customers’ best interests.
Stay informed about 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 legal, regulatory, and ethical requirements.
Analyze issues, determine next steps, and complete complex and diverse tasks within established limits, including handling escalations from other employees.
Make sound, risk-informed decisions in line with BMO’s Risk Management Framework, Risk Culture, Risk Appetite, policies, laws, and regulations.