Retail Relationship Banker

Bank of Montreal•Silver Spring, WI

About The Position

Delivers exceptional service to BMO customers and prospects by identifying needs and providing guidance on financial solutions in customers’ best interests. Works collaboratively within the branch and across channels with BMO partners to deliver a strong customer experience and achieve business objectives. Proactively engages existing customers and prospects through needs-based assessments, builds loyalty, and identifies immediate and future opportunities. Recommends tailored banking, investment, lending, home-financing, and small-business solutions, and explains digital and self-service options. Supports customer transactions according to branch traffic and grows business through outreach, appointments, and community relationship-building. The role supports accurate and compliant lending recommendations, makes personal-lending credit recommendations in accordance with sound credit principles and Bank policies, and applies the risk management framework to protect Bank assets and lending-portfolio quality. It follows risk, privacy, legal, regulatory, and compliance requirements, including identifying and reporting suspicious activity. The banker stays current on financial products, marketplace developments, and regulatory requirements; contributes to a collaborative branch and market team; and may handle escalations and complex tasks within established rules and limits. Work may take place at multiple branches or through different channels, and schedules may vary by week in days, hours, and shifts. BMO describes its purpose as “Boldly Grow the Good” in business and life, and says it provides tools, training, coaching, manager support, and network-building opportunities to help employees develop and contribute.

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.
For Canada: registration to sell investment products, as appropriate for the jurisdiction.
Appropriate lending qualifications and designations.
Working knowledge of personal and small-business customer needs and solutions.
Working knowledge of retail investments and lending products.
Confident and experienced use of social media, tablets, smartphones, online tools, and applications.
Experience in a consultative customer-service or sales role.
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.
Resourceful self-starter with confidence to approach customers.
Readiness to collaborate and work in different capacities as part of a team.
Strong interpersonal skills, including the 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 the U.S.: Federal registration with the Nationwide Mortgage Licensing System and Registry is required for the position’s consumer-loan origination duties; the Bank will instruct the employee on registration requirements.
For the U.S.: 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.

Responsibilities

Deliver exceptional service to BMO customers and prospects and provide advice on financial solutions in their best interests.
Proactively engage existing customers and prospects, conduct needs assessments, build loyalty, and identify immediate 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 make banking easier, simpler, and faster.
Support customer transactions based on customer traffic.
Reach out to customers and prospects, generate appointments, and build relationships in the community.
Address 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.
Make credit recommendations for personal lending, including home financing, in accordance with sound credit-granting principles and Bank policies.
Collaborate as a member of the branch and market team and integrate relevant marketing promotions into customer conversations.
Organize work information to ensure accuracy and completeness, resolve issues, and contribute to improvements in customer experience.
Follow risk and compliance policies and processes, safeguard customer assets and privacy, and act in customers’ best interests.
Stay informed about the financial-services marketplace, legal and regulatory requirements, and personal banking products, practices, and trends.
Identify and report suspicious activity patterns suspected to be related to money laundering.
Complete complex and diverse tasks within applicable rules and limits, including handling escalations from other employees.
Make sound, risk-informed decisions aligned with business strategy, approved risk appetite, applicable policies, laws, and regulations.