Retail Relationship Banker

BMO • Kenosha, WI

16d • $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 advice and guidance on financial solutions that are in their best interests. The role works collaboratively within the branch and with BMO partners across various channels to provide a positive customer experience and achieve business objectives. The banker proactively engages existing customers and prospects, conducts needs assessments, recommends tailored banking and lending solutions, and helps customers use digital and self-service options. The position also supports customer transactions, develops community relationships, and contributes to branch and market results.

The role applies risk management and compliance requirements to protect customer assets and privacy and maintain the quality of the lending portfolio. It makes personal lending credit recommendations, including for home financing, in accordance with sound credit principles and bank policies. The banker keeps current with banking products, trends, and the legal and regulatory environment, identifies suspicious activity, and contributes to ongoing improvements in customer experience. Work may take place at multiple branches or through different channels, and the schedule may vary from week to week.

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.
• Strong commitment to helping customers and delivering a personal customer experience.
• Results focus and ability to thrive in a consultative sales and team-based environment.
• Resourcefulness and initiative, including confidence approaching customers.
• Ability 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 in 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 Canada: Registration to sell investment products completed, as appropriate for the jurisdiction.
• For the U.S.: Federal registration with the Nationwide Mortgage Licensing System and Registry is required for this consumer loan originator position; a criminal background review and credit history evaluation are also required, along with restrictions on working as a real estate agent.

Nice To Haves

• Experience in financial services.

Responsibilities

• Proactively engage existing customers and prospects, conduct needs-based assessments, build loyalty, and identify current 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 help customers bank easily, simply, and quickly.
• Support customer transaction needs based on 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, ensuring accurate data entry and compliant lending recommendations.
• Apply risk management practices to protect bank assets and maintain lending portfolio quality in accordance with established guidelines.
• Make credit recommendations for personal lending transactions, including home financing, following sound credit principles and bank policies.
• Collaborate as a member of a branch and market team and contribute to business results and customer experience.
• Understand customers’ personal banking and credit card needs and incorporate relevant promotions and programs into customer conversations.
• Organize work information to ensure accuracy and completeness, analyze issues, and determine next steps.
• Find creative ways to make customer experiences personal and contribute to ongoing customer experience improvements.
• Follow risk and compliance policies and processes to safeguard customer assets, protect privacy, and act in customers’ best interests.
• Maintain knowledge of financial services, legal and regulatory requirements, personal banking products, practices, and trends.
• Identify and report suspicious activity patterns potentially related to money laundering.
• Protect the Bank’s assets and comply with applicable regulatory, legal, and ethical requirements.
• Take measured, risk-informed decisions consistent with the Bank’s Risk Management Framework, Risk Culture, Risk Appetite, policies, laws, and regulations.
• Complete complex and diverse tasks within established rules and limits, including possible escalations from other employees.
• Work at multiple branches or through different channels as market needs require; workdays, hours, and shifts may vary.

Benefits

• Health insurance
• Tuition reimbursement
• Accident and life insurance
• Retirement savings plans
• Performance-based incentives, discretionary bonuses, and other perks and rewards may be included in the total compensation package.
• 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