Retail Relationship Banker

Bank of Montreal • Green Bay, WI

6d

About The Position

The Retail Relationship Banker delivers exceptional service to BMO customers and prospects, identifies their needs, and provides advice on financial solutions that support their best interests. Working collaboratively within the branch and across channels, the banker builds customer loyalty, identifies current and future opportunities, and contributes to business objectives and the overall customer experience.

The role conducts needs-based assessments and recommends tailored everyday banking, retail investment, lending, home financing, and small-business solutions. It also helps customers use digital and self-service options, supports transactions according to customer traffic, and grows the business through outreach, appointments, and community relationship building. The banker makes personal lending credit recommendations, manages lending risks, and follows applicable policies and regulatory requirements.

The position may involve work at multiple branches or across channels, and the schedule may vary by week in days, hours, and shifts. The banker protects customer privacy and bank assets, follows risk and compliance processes, stays current on products and the financial services environment, and reports suspicious activity. 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.
• 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 financial services is an asset.
• Confidence and experience using social media, tablets, smartphones, online tools, and applications.
• Experience in a consultative customer service or sales role and a commitment to delivering a personal customer experience.
• Focus on results and ability to thrive in a consultative sales and team-based environment.
• Resourcefulness and initiative, 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 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.
• Canada only: Registration to sell investment products completed, as appropriate for the jurisdiction.
• U.S. only: Federal registration with the Nationwide Mortgage Licensing System and Registry is required for this consumer-loan originator role; the bank will provide instructions on registration requirements.
• U.S. only: 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.
• A post-secondary degree in a related field of study.

Responsibilities

• Deliver exceptional service to customers and prospects and provide advice on financial solutions suited to their needs.
• Proactively engage existing customers and prospects, conduct needs assessments, grow loyalty, and identify immediate and future opportunities.
• Recommend tailored everyday banking, retail investment, lending, home financing, and small-business solutions.
• Advise customers on digital and self-service banking options.
• 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 raised through consumer credit audits and quality checks; ensure accurate data entry and lending recommendations comply with applicable requirements.
• Apply the risk management framework to lending portfolios and make personal lending credit recommendations in accordance with sound credit principles and bank policies.
• Integrate marketing promotions and programs into conversations about customers’ personal banking and credit card needs.
• Organize work information accurately and completely; seek creative ways to personalize and improve the customer experience.
• Collaborate as a member of the branch and market team and contribute to business results.
• Follow risk and compliance policies to safeguard customer assets, protect privacy, and act in customers’ best interests.
• Maintain knowledge of financial services, legal and regulatory developments, personal banking products, practices, and trends.
• Identify and report suspicious activity patterns that may relate to money laundering.
• Protect bank assets and comply with applicable regulatory, legal, and ethical requirements.
• Analyze issues, determine next steps, and handle complex tasks or escalations within applicable rules and limits.
• Make measured, risk-informed decisions in line with the bank’s Risk Management Framework, Risk Culture, approved Risk Appetite, policies, laws, and regulations.

Benefits

• Health insurance
• Tuition reimbursement
• Accident insurance
• Life insurance
• Retirement savings plans
• May include performance-based incentives, discretionary bonuses, and other perks and rewards

What This Job Offers

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