Retail Relationship Banker

BMO • University Park, FL

11d • $41,500 - $65,500

About The Position

The Retail Relationship Banker delivers exceptional service to BMO customers and prospects by identifying their needs and providing advice on financial solutions that are in their best interests. The role works collaboratively across the branch and with BMO partners to create a positive customer experience and achieve business objectives. The banker conducts needs-based conversations, recommends tailored banking and lending solutions, promotes digital and self-service options, and supports customer transactions based on branch traffic.

The position builds customer loyalty and business through outreach, appointments, community relationships, and consultative sales. It includes making credit recommendations for personal lending and home financing, managing lending risk, and ensuring applications and customer information comply with applicable policies and regulations. The banker also supports risk and compliance processes, protects customer assets and privacy, identifies suspicious activity, and stays current on financial products, marketplace developments, and regulatory requirements.

The banker contributes to a collaborative branch and market team, completes varied tasks and escalations, and seeks ways to improve the customer experience. The role may involve working at multiple branches or through different channels, and the work schedule may vary from week to week. In the U.S., the position requires federal registration with the Nationwide Mortgage Licensing System and Registry and entails a criminal background review and credit history evaluation.

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.
• Appropriate lending qualifications and designations.
• Working knowledge of personal and small business customer needs and solutions.
• Working knowledge of retail investment and lending products.
• Confidence and experience using social media, tablets, smartphones, online tools, and applications.
• Experience in a consultative customer service or sales role and a drive to deliver a personal customer experience.
• Commitment to helping customers and delivering a personal customer experience.
• Results focus and ability to thrive in a consultative sales and team-based environment.
• Resourcefulness and initiative, with confidence approaching customers.
• Willingness 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 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 Canada: Registration to sell investment products completed, as appropriate for the jurisdiction.
• For the U.S.: Federal registration with the Nationwide Mortgage Licensing System and Registry is required; a criminal background review and credit history evaluation will also be required.

Nice To Haves

• Experience in financial services is an asset.

Responsibilities

• Engage existing customers and prospects proactively, assess their needs, and identify opportunities to grow loyalty and business.
• Recommend tailored solutions for everyday banking, retail investments, lending, home financing, and small business needs.
• Explain digital and self-service options to help customers bank easily and efficiently.
• Support customer transactions based on branch traffic.
• Reach out to customers, generate appointments, and build new community relationships.
• Address questions and resolve issues arising from consumer credit audits and quality checks.
• Apply risk management practices 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 a versatile branch and market team.
• Understand personal banking and credit card needs and integrate marketing promotions into customer conversations.
• Organize work information to ensure accuracy and completeness.
• Find creative ways to personalize customer experiences and contribute to improving the overall experience.
• Follow risk and compliance processes to safeguard customer assets and privacy and act in customers’ best interests.
• Maintain current knowledge of the financial services marketplace, legal and regulatory environment, and personal banking products and practices.
• 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.
• Complete complex and diverse tasks within established rules and limits, including handling escalations from other employees.
• Analyze issues and determine next steps.
• Make sound, risk-informed decisions within the Bank’s Risk Management Framework and approved Risk Appetite.

Benefits

• Health insurance
• Tuition reimbursement
• Accident and life insurance
• Retirement savings plans
• Performance-based incentives, discretionary bonuses, and other perks and rewards may be included in the total compensation package.
• In-depth training and coaching, manager support, and network-building opportunities.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: Associate degree