Retail Relationship Banker

Bank of Montreal•HB Verona, WI

About The Position

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. Works collaboratively within the branch and with BMO partners across channels to deliver a strong customer experience and achieve business objectives. Proactively engages customers and prospects through needs-based assessments, builds loyalty, identifies opportunities, and recommends tailored banking, investment, lending, home-financing, and small-business solutions. Guides customers toward suitable digital and self-service options and supports transaction needs based on customer traffic. Builds business by contacting customers and prospects, generating appointments, and developing community relationships. Makes personal lending credit recommendations, including for home financing, and applies risk-management practices to protect the Bank’s assets and maintain lending portfolio quality. Addresses audit and quality-check questions, ensures accurate data entry and lending recommendations, and follows applicable legal, regulatory, and lending requirements. Protects customer assets and privacy, reports suspected money-laundering patterns, and keeps current on financial services, personal banking products, and regulatory requirements. Contributes to a collaborative branch and market team, handles complex and diverse tasks within established rules and limits, and may address escalations from other employees. May work at multiple branches or through different channels, with a schedule that can vary by week in days, hours, and shifts. Additional work or accountabilities may be assigned as needed. The role typically requires 2–3 years of relevant experience. A post-secondary degree in a related field is desirable, or an equivalent combination of education and experience. The posting lists a salary range of $41,500–$65,500 and notes that compensation may vary by factors including location, skills, experience, education, and qualifications. BMO offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans, along with training, coaching, manager support, and network-building opportunities.

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 using social media, tablets, smartphones, online tools, and applications.
Passion for helping customers and a focus on results in a consultative sales and team-based environment.
Resourceful self-starter with confidence to approach 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, and flexibility in responding creatively to new challenges.
Good verbal and written communication, organization, collaboration and teamwork, analytical, and problem-solving skills.
For U.S. positions: Federal registration with the Nationwide Mortgage Licensing System and Registry is required; a criminal background review and credit history evaluation are also required.

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

Deliver exceptional service and identify customer needs through needs-based assessments.
Recommend tailored personal banking, investment, lending, home-financing, and small-business solutions.
Explain digital and self-service banking options and support customer transaction needs.
Contact customers and prospects, generate appointments, and build new relationships in the community.
Make credit recommendations for personal lending transactions, including home financing, in accordance with credit principles and Bank policies.
Apply risk-management practices to protect Bank assets and maintain lending portfolio quality.
Respond to consumer credit audit and quality-check issues and ensure accurate data entry and lending recommendations.
Follow risk, compliance, privacy, legal, regulatory, and lending processes and policies; report suspicious activity that may relate to money laundering.
Collaborate with branch and market teams and contribute to business results and continuous improvement of customer experience.
Maintain knowledge of financial services, personal banking products, practices, trends, and regulatory requirements.
Organize work information for accuracy and completeness and handle complex tasks or escalations within established limits.