Retail Relationship Banker

BMO • Green Bay, WI

8d • $41,500 - $65,500

About The Position

The Retail Relationship Banker delivers exceptional service to BMO customers and prospects by identifying customer needs and providing advice and guidance on financial solutions that serve customers’ best interests. The role works collaboratively with branch colleagues and BMO partners across channels to provide a strong customer experience and achieve business objectives.

The banker proactively engages existing customers and prospects, conducts needs-based assessments, recommends tailored banking, investment, lending, home-financing, and small-business solutions, and explains digital and self-service options. The role also supports customer transactions, develops relationships in the community, generates appointments, and contributes to branch and market results.

The position applies risk-management and compliance requirements to customer interactions and lending decisions, including making personal-lending credit recommendations and maintaining the quality of the lending portfolio. The banker keeps current on financial products, market conditions, legal and regulatory requirements, and suspicious activity indicators. Work may take place at multiple branches or through various channels, and the schedule may vary from week to week in days, hours, and shifts.

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.
• Appropriate lending qualifications and designations.
• Working knowledge of personal and small-business customer needs and solutions.
• Working knowledge of retail investments and lending products.
• Experience in a consultative customer-service or sales role, with a commitment to providing a personal customer experience.
• Confidence and experience using social media, tablets, smartphones, online tools, and applications.
• Strong interpersonal skills and 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 Canada: Registration to sell investment products, as appropriate for the jurisdiction.
• For the U.S.: Federal registration with the Nationwide Mortgage Licensing System and Registry is required; the role also requires a criminal background review and credit history evaluation, and includes restrictions on working as a real estate agent.

Nice To Haves

• Experience in financial services is an asset.

Responsibilities

• Proactively engage existing customers and prospects through needs-based assessments to build loyalty and identify current and future opportunities.
• Recommend tailored solutions for everyday banking, retail investments, lending, home financing, and small-business needs.
• Guide customers on digital and self-service options and support their transaction needs based on customer traffic.
• Reach out to customers, generate appointments, and build new relationships in the community.
• Address issues raised through consumer credit audits and quality checks, ensuring accurate data entry and lending recommendations comply with applicable requirements and policies.
• Apply the risk-management framework to protect bank 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 with branch and market teams and contribute to business results and customer experience improvements.
• Integrate relevant marketing promotions and programs into customer conversations.
• Organize work information accurately and completely, analyze issues, and determine appropriate next steps.
• Follow risk and compliance processes to protect customer assets and privacy and act in customers’ best interests.
• Maintain current knowledge of financial services, legal and regulatory requirements, personal banking products, practices, and trends.
• Identify and report suspicious activity patterns suspected to be related to money laundering.
• Protect the Bank’s assets and comply with applicable regulatory, legal, and ethical requirements.
• Complete complex and diverse tasks within established limits, including handling escalations from other employees.

Benefits

• Health insurance
• Tuition reimbursement
• Accident and life insurance
• Retirement savings plans
• Potential performance-based incentives, discretionary bonuses, 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: Associate degree