Retail Relationship Banker

BMO • De Pere, WI

14d • $41,500 - $65,500

About The Position

The Retail Relationship Banker delivers exceptional service to BMO customers and prospects by identifying needs and recommending financial solutions in customers’ best interests. The role engages existing and prospective customers through needs-based assessments, tailored advice, and relationship-building to support customer loyalty and business objectives. Solutions may include everyday banking, retail investments, personal lending, home financing, and small business banking. The banker also helps customers use digital and self-service options and supports transactions based on branch traffic.

This position contributes to a collaborative branch and market team, may serve at multiple branches or through different channels, and may have a schedule that varies from week to week. The banker follows risk, compliance, privacy, and lending policies; makes personal lending credit recommendations; monitors and reports suspicious activity; and keeps current with banking products, industry trends, and applicable legal and regulatory requirements. Additional work or accountabilities may be assigned as needed.

Requirements

• Typically 2–3 years of relevant experience and a post-secondary degree in a related field, or an equivalent combination of education and experience.
• Canada only: Registration to sell investment products, completed 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 investment and lending products.
• Experience in a consultative customer service or sales role, with a drive to deliver a personal customer experience.
• Confident and experienced use of social media, tablets, smartphones, online tools, and applications.
• Passionate commitment to helping customers and delivering a personal customer experience.
• Results focus and ability to thrive in a consultative sales and team-based environment.
• Resourceful, self-starting approach and confidence in engaging customers.
• 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.
• Listening, problem-solving, flexibility, and creativity in responding to new challenges.
• Good verbal and written communication skills.
• Good organization skills.
• Good collaboration and team skills.
• Good analytical and problem-solving skills.
• U.S. only: 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.
• U.S. only: 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

• Engage existing customers and prospects proactively, complete needs assessments, and identify immediate and future opportunities.
• Recommend tailored banking, investment, lending, home financing, and small business solutions based on customer needs.
• Explain digital and self-service options to help customers bank easily and efficiently.
• Support customer transactions according to customer traffic.
• Reach out to customers, generate appointments, and build relationships in the community to grow business.
• Address questions and resolve issues arising from consumer credit audits and quality checks, ensuring accurate data entry and compliant lending recommendations.
• Apply the risk management framework to protect the Bank’s assets and maintain lending portfolio quality.
• 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 and contribute to business results and customer experience improvements.
• Integrate relevant marketing promotions and programs into customer conversations.
• Organize work information for accuracy and completeness, and identify creative ways to personalize customer experiences.
• Follow risk and compliance policies to safeguard customer assets, maintain privacy, and act in customers’ best interests.
• Maintain current knowledge of financial services, the legal and regulatory environment, personal banking products, practices, and trends.
• Identify and report suspicious patterns of activity suspected to be related to money laundering.
• Protect the Bank’s assets and comply with applicable legal, regulatory, and ethical requirements.
• Analyze issues, determine next steps, and handle complex tasks or escalations within established rules and limits.
• Make sound, risk-informed decisions consistent with business strategy, approved risk appetite, policies, laws, and regulations.

Benefits

• Health insurance
• Tuition reimbursement
• Accident and life insurance
• Retirement savings plans
• The total compensation package may include performance-based incentives, discretionary bonuses, and other perks and rewards.
• Training and coaching, manager support, and network-building opportunities

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: No Education Listed