Retail Relationship Banker

BMO • Portland, OR

19d • $43,000 - $75,000

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 serve their best interests. Working collaboratively with branch colleagues and BMO partners, the banker helps deliver a strong customer experience and achieve business objectives. The role proactively engages existing customers and prospects, conducts needs-based assessments, recommends tailored banking and lending solutions, and helps customers use digital and self-service banking options.

The position supports customer transactions as needed, grows business through outreach and community relationship-building, and makes credit recommendations for personal lending, including home financing. It also applies risk-management practices, protects customer information and bank assets, follows regulatory and compliance requirements, and contributes to the quality of the lending portfolio. The banker may work at multiple branches or through different channels according to market needs; schedules may vary from week to week in days, hours, and shifts. Other duties may be assigned as needed.

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 and a commitment to delivering a personal customer experience.
• Confidence and experience using social media, tablets, smartphones, online tools, and applications.
• Passion for helping customers and a results-focused approach in a consultative sales and team environment.
• Resourcefulness and initiative, 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, 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 U.S. roles: Federal registration with the Nationwide Mortgage Licensing System and Registry is required for the position’s consumer loan origination duties; a criminal background review and credit history evaluation are also required, and restrictions apply to working in a real estate agent capacity.

Nice To Haves

• Experience in financial services is an asset.
• For Canada roles: Registration to sell investment products completed, as appropriate for the jurisdiction.

Responsibilities

• Proactively engage existing customers and prospects through needs-based assessments to strengthen 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 options to make banking easier, simpler, and faster for customers.
• Support customer transaction needs based on branch 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 risk-management practices to protect bank assets and maintain lending portfolio quality within established requirements and guidelines.
• 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, contributing to business results and the customer experience.
• Understand customers’ personal banking and credit card needs and incorporate relevant promotions and programs into conversations.
• Organize work information accurately and completely, and seek creative ways to personalize and improve customer experiences.
• Follow risk and compliance policies to safeguard customer assets and privacy and act in customers’ best interests.
• Keep current on the financial services marketplace, legal and regulatory environment, personal banking products, practices, and trends.
• Identify and report suspicious activity patterns suspected to be related to money laundering.
• Comply with applicable legal, regulatory, and ethical requirements and protect the Bank’s assets.
• Complete diverse and complex tasks within established rules and limits, handle escalations as needed, and analyze issues to determine next steps.
• Make sound, risk-informed decisions in accordance with the Risk Management Framework, Risk Culture, approved Risk Appetite, applicable policies, laws, and regulations.

Benefits

• Health insurance
• Tuition reimbursement
• Accident insurance
• 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: Associate degree