Retail Relationship Banker

Bank of Montreal•Portland, OR

21d

About The Position

The Retail Relationship Banker delivers exceptional service to BMO customers and prospects, identifies their financial needs, and provides advice and guidance on suitable solutions. Working collaboratively within the branch and with BMO partners across channels, the banker builds customer loyalty, develops new relationships, and contributes to branch and market business objectives. The role includes needs-based conversations about everyday banking, investments, lending, home financing, and small business solutions, as well as guidance on digital and self-service banking options. The banker supports customer transactions as needed, generates appointments, and develops community relationships. They make personal lending and home-financing credit recommendations in accordance with sound credit principles and bank policies, manage risk and compliance requirements, and help maintain the quality of the lending portfolio. The role also involves addressing audit and quality-check questions, protecting customer assets and privacy, identifying suspicious activity that may relate to money laundering, and complying with applicable legal and regulatory requirements. This position contributes to a collaborative branch and market team, handles complex and diverse tasks within established limits, analyzes issues, and may address escalations from other employees. Work may take place at multiple branches or through different channels depending on market needs. The schedule may vary from week to week in days, hours, and shifts. BMO describes its purpose as creating lasting positive change for customers, communities, and employees, and highlights training, coaching, manager support, and network-building opportunities.

Requirements

Typically 2–3 years of relevant experience.
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.
Passionate commitment to helping customers and a focus on results in a consultative sales and team-based environment.
Confidence and resourcefulness in approaching customers; ability to work as a self-starter.
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.
Aptitude for listening, solving problems, and responding flexibly and creatively to new challenges.
Good verbal and written communication, organization, collaboration and teamwork, analytical, and problem-solving skills.
Confident, experienced use of social media, tablets, smartphones, online tools, and applications.
U.S. only: Federal registration with the Nationwide Mortgage Licensing System and Registry is required for consumer loan origination under applicable regulations; the bank will provide instructions on registration requirements.
U.S. only: A criminal background review and credit history evaluation are required, and restrictions apply to performing in a real estate agent capacity.

Nice To Haves

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

Responsibilities

Deliver exceptional service to BMO customers and prospects and provide advice in their best interests.
Proactively engage existing customers and prospects, conduct needs assessments, and identify immediate and future opportunities to build loyalty.
Recommend tailored banking, investment, lending, home-financing, and small-business solutions based on customer needs.
Explain available digital and self-service options to help customers bank easily, simply, and quickly.
Support customer transactions 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, supporting accurate data entry and lending recommendations.
Apply the risk management framework to protect bank assets and maintain lending portfolio quality.
Make credit recommendations for personal lending, including home financing, in accordance with credit principles and bank policies.
Integrate relevant marketing promotions and programs into customer conversations.
Organize work information to ensure accuracy and completeness, and contribute ideas to improve the customer experience.
Follow risk and compliance policies and processes to safeguard customer assets, maintain privacy, and act in customers’ best interests.
Maintain current knowledge of financial services markets, regulatory requirements, 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 regulatory, legal, ethical, and lending requirements.
Analyze issues, determine next steps, and handle complex tasks or escalations within established rules and limits.
Collaborate with branch and market teams and take measured, risk-informed decisions aligned with business strategy and approved risk appetite.