Retail Relationship Banker

Bank of Montreal • Wisconsin Rapids, WI

9d

About The Position

Delivers exceptional service to BMO customers and prospects by identifying their needs and providing advice and guidance on financial solutions in their best interests. Works collaboratively with branch colleagues and BMO partners across channels to deliver a positive customer experience and achieve business objectives. Proactively engages existing customers and prospects, conducts needs-based assessments, builds loyalty, and identifies immediate and future opportunities. Recommends tailored solutions for everyday banking, retail investments, lending, home financing, and small business needs, while helping customers use digital and self-service banking options. Supports customer transactions based on branch traffic and grows business by reaching out, generating appointments, and building community relationships.

The role makes credit recommendations for personal lending, including home financing, and applies risk-management practices to protect the Bank’s assets and lending portfolio. It follows applicable policies and legal and regulatory requirements, maintains customer privacy, and reports suspicious activity that may relate to money laundering. The banker keeps current with financial services products, practices, trends, and the regulatory environment, and contributes to a collaborative branch and market team. Work may take place at multiple branches or through different channels, and schedules may vary from week to week in days, hours, and shifts. Additional work or accountabilities 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.
• 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 investment and lending products.
• Experience in a consultative customer service or sales role and a commitment to delivering a personal customer experience.
• Confident and experienced use of social media, tablets, smartphones, online tools, and applications.
• Passion for helping customers and a focus on results in a consultative sales and team-based environment.
• Resourceful self-starter 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, and ability to respond flexibly and creatively to challenges.
• Good verbal and written communication skills.
• Good organization skills.
• Good collaboration and teamwork skills.
• Good analytical and problem-solving skills.
• For U.S. positions: 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.
• For U.S. positions: 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 customers and prospects and identify their financial needs.
• Conduct needs assessments and recommend tailored banking, investment, lending, home financing, and small business solutions.
• Explain available digital and self-service banking options to customers.
• Support customer transactions according to customer traffic.
• Reach out to customers and prospects, generate appointments, and build relationships in the community.
• Address questions and resolve issues arising from consumer credit audits and quality checks; ensure accurate data entry and compliant lending recommendations.
• Apply the risk management framework to the portfolio and protect Bank assets and lending portfolio quality.
• Make credit recommendations for personal lending transactions, 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 to improving the customer experience.
• Follow risk and compliance policies and processes, safeguard customer assets and privacy, and act in customers’ best interests.
• Maintain 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.
• Analyze issues, determine next steps, and handle complex tasks and escalations within applicable rules and limits.
• Collaborate with branch and market teams and take measured, risk-informed actions aligned with business strategy and the Bank’s policies.

Benefits

• Health insurance
• Tuition reimbursement
• Accident insurance
• Life insurance
• Retirement savings plans
• Performance-based incentives, discretionary bonuses, and other perks or rewards may be included in total compensation.

What This Job Offers

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