Retail Relationship Banker

BMO•Calumet City, IL

13d•$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 serve customers’ best interests. Works collaboratively within the branch and through various channels with BMO partners to deliver a positive customer experience and achieve business objectives. Proactively engages existing and prospective customers through needs-based assessments, tailored recommendations, digital and self-service guidance, transactions, outreach, appointment generation, and relationship building. Solutions may include everyday banking, retail investments, personal lending, home financing, and small business banking. The role also supports lending quality and risk management, makes personal lending credit recommendations, complies with applicable policies and regulations, and contributes to continuous improvement of the customer experience and business results. The position may involve work at multiple branches or through different channels based on market needs. The schedule may vary from week to week in days, hours, and shifts. The role handles complex and diverse tasks within established limits, analyzes issues, and may handle escalations from other employees. Broader work or accountabilities may be assigned as needed.

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.
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 commitment to delivering a personal customer experience.
Confident and experienced use of social media, tablets, smartphones, online tools, and applications.
Strong interpersonal skills and the ability to build rapport and connections with customers.
Listening, problem-solving, and flexibility in responding creatively to new challenges.
Good verbal and written communication skills.
Good organization skills.
Good collaboration and teamwork skills.
Good analytical and problem-solving skills.
For U.S. positions: Federal registration with the Nationwide Mortgage Licensing System and Registry is required for originating consumer loans under applicable laws; 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

Post-secondary degree in a related field of study is desirable.
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.
Recommend tailored banking, investment, lending, home financing, and small business solutions that address customers’ sales and service needs.
Advise customers on digital and self-service options and support their transaction needs based on customer traffic.
Reach out to customers, generate appointments, and build new relationships in the community.
Address questions and resolve issues identified through consumer credit audits and quality checks, ensuring accurate data entry and compliant lending recommendations.
Apply the risk management framework to protect bank assets and maintain lending portfolio quality in accordance with established requirements and guidelines.
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 and incorporate relevant marketing promotions into customer conversations.
Organize work information to ensure accuracy and completeness, and find creative ways to personalize and improve the customer experience.
Follow risk and compliance policies and processes to safeguard customer assets, protect privacy, and act in customers’ best interests.
Maintain current knowledge of financial services markets, legal and regulatory requirements, 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 tasks within established rules and limits, including handling escalations where needed.
Make measured, risk-informed decisions aligned with business strategy, risk appetite, applicable policies, laws, and regulations.