Retail Relationship Banker

BMO•Milwaukee, WI

9d•$41,500 - $65,500

About The Position

The Retail Relationship Banker delivers exceptional service to BMO customers and prospects, identifies customer needs, and provides guidance on financial solutions that serve customers’ best interests. Working collaboratively within the branch and with BMO partners across channels, the banker supports a positive customer experience and business objectives. The role proactively engages existing customers and prospects, performs needs-based assessments, recommends tailored banking, investment, lending, home-financing, and small-business solutions, and advises customers on digital and self-service options. The banker supports customer transactions, generates appointments, builds community relationships, and contributes to branch results. Responsibilities also include making personal lending and home-financing credit recommendations, maintaining accurate records, addressing audit and quality-check issues, and applying risk-management practices to protect bank assets and maintain lending quality. The role requires compliance with applicable laws, regulations, policies, and ethical requirements, including identifying suspicious activity that may relate to money laundering. The position may involve working at multiple branches or through different channels, with a schedule that may vary from week to week in days, hours, and shifts. Broader work or accountabilities may be assigned as needed.

Requirements

Typically 2–3 years of relevant experience.
Post-secondary degree in a related field of study 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 and 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.
Ability to focus on results and thrive in a consultative sales and team-based environment.
Resourcefulness and initiative, with 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 teamwork skills.
Good analytical and problem-solving skills.
For Canada-based roles, registration to sell investment products must be completed as appropriate for the jurisdiction.
For U.S.-based roles, federal registration with the Nationwide Mortgage Licensing System and Registry is required; a criminal background review and credit history evaluation are also required, along with restrictions on performing in a real-estate-agent capacity.

Nice To Haves

Experience in financial services.

Responsibilities

Deliver exceptional service and advice to customers and prospects based on their financial needs and best interests.
Proactively engage customers and prospects with 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 make banking easy, simple, and fast.
Support customer transaction needs based on branch traffic.
Generate appointments and build new customer relationships in the community.
Address questions and resolve issues identified through consumer-credit audits and quality checks.
Apply risk-management practices to protect bank assets and maintain the quality of the lending portfolio.
Make personal-lending and home-financing credit recommendations in accordance with sound credit principles and bank policies.
Collaborate as a member of the branch and market team and contribute to business results and customer experience improvements.
Integrate relevant marketing promotions and programs into customer conversations.
Organize work information to ensure accuracy and completeness.
Follow risk and compliance processes, safeguard customer assets and privacy, and act in customers’ best interests.
Maintain current knowledge of financial services, personal banking products, industry practices, trends, and applicable legal and regulatory requirements.
Identify and report suspicious activity patterns suspected to relate to money laundering.
Protect bank assets and comply with applicable regulatory, legal, and ethical requirements.
Analyze issues, determine next steps, complete diverse tasks within established limits, and handle escalations when needed.
Take measured, risk-informed actions in line with the bank’s Risk Management Framework, Risk Culture, approved Risk Appetite, policies, and business strategy.