Retail Relationship Banker

BMO • South Milwaukee, WI

20d • $41,500 - $65,500

About The Position

Delivers exceptional service to BMO customers and prospects by identifying their needs and providing advice and guidance about financial solutions in their best interests. Works collaboratively within the branch and with BMO partners across channels to deliver a strong customer experience and achieve business objectives. Proactively engages existing customers and prospects, completes needs-based assessments, recommends tailored banking, investment, lending, home-financing, and small-business solutions, and guides customers toward digital and self-service options. Supports customer transactions, generates appointments, builds community relationships, and contributes to branch and market results. The role includes making personal-lending credit recommendations, managing lending risk, resolving audit and quality-check questions, and following applicable risk, privacy, legal, regulatory, and ethical requirements. The banker may work at multiple branches or through different channels, and the work schedule may vary from week to week in days, hours, and shifts.

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.
• Registration to sell investment products, completed as appropriate for the jurisdiction (Canada only).
• Appropriate lending qualifications and designations.
• Working knowledge of personal and small-business customer needs and solutions.
• Working knowledge of retail investment and lending products.
• Confident and experienced use of social media, tablets, smartphones, online tools, and applications.
• Experience in a consultative customer service or sales role, with a drive to deliver a personal customer experience.
• Strong 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-starter with the confidence to approach customers.
• Readiness to collaborate and work in different capacities as part of a team.
• Strong interpersonal skills, including 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.
• U.S. only: Federal registration with the Nationwide Mortgage Licensing System and Registry is required for the consumer-loan originator role; a 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.
• Specialized knowledge.

Responsibilities

• Proactively engage existing customers and prospects through needs-based assessments to grow loyalty and identify immediate and future opportunities.
• Recommend tailored financial solutions addressing customer sales and service needs, including everyday banking, retail investments, lending, home financing, and small-business solutions.
• Advise customers on digital and self-service options to make banking easy, simple, and fast.
• Support customer transaction needs based on customer traffic.
• Reach out to customers, generate appointments, and build new relationships in the community.
• Address questions and resolve issues from consumer credit audits and quality checks, ensuring accurate data entry and lending recommendations in compliance with requirements.
• Apply the risk management framework to protect bank assets and maintain lending portfolio quality in accordance with established guidelines.
• Make personal-lending credit recommendations, including home financing, in line with sound credit principles and bank policies and procedures.
• Collaborate as a member of the branch and market team and contribute to business results and the customer experience.
• Understand customer personal banking and credit card needs and integrate relevant marketing promotions and programs into conversations.
• Organize work information to ensure accuracy and completeness.
• Find creative ways to personalize customer experiences and contribute to their ongoing improvement.
• Follow risk and compliance processes and policies to safeguard customer assets, maintain privacy, and act in customers’ best interests.
• Keep current with the financial services marketplace, legal and regulatory environment, personal banking products, practices, and trends.
• Identify and report suspicious activity patterns that may be related to money laundering.
• Protect bank 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 consistent with the Risk Management Framework, Risk Culture, approved Risk Appetite, business strategy, policies, and applicable laws and regulations.

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.

What This Job Offers

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