Retail Relationship Banker

BMO•Fond du Lac, WI

3d•$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 are in customers’ best interests. The role works collaboratively within the branch and with BMO partners across channels to deliver a strong customer experience and achieve business objectives. The banker proactively engages existing customers and prospects, conducts needs assessments, recommends tailored banking, investment, lending, home-financing, and small-business solutions, and encourages the use of digital and self-service banking options. The role supports transaction needs, develops relationships in the community, generates appointments, and contributes to branch and market results. It also makes personal lending credit recommendations, including for home financing, and applies the Bank’s risk-management and compliance requirements to protect customer assets and the lending portfolio. The position may involve work at multiple branches or through different channels as market needs require. The work schedule may vary from week to week in days, hours, and shifts. The banker completes complex tasks within established rules and limits, handles escalations as needed, and may take on broader work or accountabilities. Typically, candidates have two to three years of relevant experience and a post-secondary degree in a related field, or an equivalent combination of education and experience. Relevant lending qualifications, knowledge of personal and small-business banking, and a consultative customer-service or sales background are expected. Financial-services experience is an asset. In Canada, registration to sell investment products is required where appropriate for the jurisdiction. In the U.S., the position requires federal registration with the Nationwide Mortgage Licensing System and Registry; a criminal-background review and credit-history evaluation are also required, with restrictions on working as a real estate agent. The listed salary range is $41,500 to $65,500. BMO’s compensation package may include performance-based incentives, discretionary bonuses, and other rewards. Benefits mentioned include health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans. BMO also describes training and coaching, manager support, and network-building opportunities.

Requirements

Typically two to three 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 investment and lending products.
Experience in a consultative customer-service or sales role and 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.
Focus on results and ability to thrive in a consultative sales and team-based environment.
Resourceful self-starter with the confidence to approach 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.
Ability to listen, solve problems, and respond flexibly and creatively to new challenges.
Good verbal and written communication skills.
Good organization skills.
Good collaboration and teamwork skills.
Good analytical and problem-solving skills.
Canada only: Registration to sell investment products, where appropriate for the jurisdiction.
U.S. only: Federal registration with the Nationwide Mortgage Licensing System and Registry; criminal-background review and credit-history evaluation are required, and restrictions apply to performing in a real estate agent capacity.

Nice To Haves

A post-secondary degree in a related field is desirable.
Experience in financial services is an asset.
Specialized knowledge.

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.
Advise customers on digital and self-service options to make banking easier, simpler, and faster.
Support customer transaction needs according to customer traffic.
Generate appointments and build new customer relationships in the community.
Address issues raised through consumer credit audits and quality checks, ensuring accurate data entry and compliant lending recommendations.
Apply the risk-management framework to protect Bank assets and maintain lending-portfolio quality.
Make credit recommendations for personal lending transactions, including home financing, according to sound credit principles and Bank policies.
Collaborate as a member of the branch and market team.
Explore personal banking and credit-card needs and integrate relevant marketing promotions into customer conversations.
Organize work information to ensure accuracy and completeness.
Find creative ways to make customer experiences personal and contribute to improving the overall customer experience.
Follow risk and compliance processes and policies to safeguard customer assets and privacy and act in customers’ best interests.
Maintain current knowledge of financial-services markets, legal and regulatory requirements, personal banking products, practices, and trends.
Identify and report suspicious activity patterns potentially related to money laundering.
Protect Bank assets and comply with regulatory, legal, and ethical requirements.
Complete complex and diverse tasks within applicable rules and limits, including handling escalations from other employees when needed.
Analyze issues and determine appropriate next steps.
Take measured, risk-informed decisions aligned with business strategy, the Bank’s Risk Management Framework, Risk Culture, and approved Risk Appetite.
Work at multiple branches or through various channels as market needs require, with a schedule that may vary by week.