Retail Relationship Banker

Bank of Montreal•Kenosha, WI

15d

About The Position

Delivers exceptional service to BMO customers and prospects by identifying their needs and recommending financial solutions in their best interests. Works collaboratively within the branch and with BMO partners across channels to provide 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. Helps customers use digital and self-service options and supports transaction needs according to customer traffic. Builds business by conducting outreach, generating appointments, and developing community relationships. Supports accurate and compliant lending decisions, makes personal-lending credit recommendations, and applies risk-management practices to protect bank assets and maintain portfolio quality. Works as a versatile member of the branch and market team, handles complex tasks and escalations within established limits, and contributes to improving the customer experience and business results. Follows risk, compliance, privacy, and legal requirements; stays current on financial-services practices, products, and regulations; and reports suspicious activity potentially related to money laundering. May work at multiple branches or through different channels depending on market needs, and the weekly schedule may vary in days, hours, and shifts.

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 financial services is an asset.
Experience in a consultative customer-service or sales role and a drive to provide a personal customer experience.
Confident use of social media, tablets, smartphones, online tools, and applications.
Commitment to helping customers and a focus on results in a consultative, team-based environment.
Resourcefulness and confidence in approaching customers; readiness to collaborate in different team capacities.
Strong interpersonal skills and ability to build rapport with customers.
Listening, problem-solving, and adaptable, creative responses to new challenges.
Good verbal and written communication, organization, collaboration, teamwork, analytical, and problem-solving skills.
Canada only: Registration to sell investment products completed, as appropriate for the jurisdiction.
U.S. only: Federal registration with the Nationwide Mortgage Licensing System and Registry is required; a criminal-background review and credit-history evaluation will also be required, and restrictions apply to performing in a real-estate-agent capacity.

Nice To Haves

Experience in financial services.
Post-secondary degree in a related field of study.

Responsibilities

Deliver exceptional service to customers and prospects and identify their financial needs.
Conduct needs assessments and recommend tailored banking, investment, lending, home-financing, and small-business solutions.
Explain digital and self-service banking options and support customer transactions as needed.
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 risk-management practices and make personal-lending credit recommendations in accordance with bank policies and sound credit principles.
Collaborate with branch and market teams and contribute to business results and an improved customer experience.
Integrate relevant marketing promotions and programs into customer conversations.
Organize work information for accuracy and completeness; analyze issues and determine next steps, including handling escalations when needed.
Follow risk, compliance, privacy, legal, and regulatory policies; protect bank assets and report suspicious activity potentially related to money laundering.
Maintain current knowledge of financial-services markets, regulations, personal banking products, practices, and trends.