Retail Relationship Banker

BMO • Trinidad, CO

1d • $41,500 - $65,500 • Onsite

About The Position

The Retail Relationship Banker delivers exceptional service to BMO customers and prospects, identifying their needs and recommending financial solutions in their best interests. The role builds customer loyalty and business relationships through needs-based assessments, tailored advice, appointment generation, and collaboration with branch colleagues and BMO partners. It covers everyday banking, investments, lending and home financing, and small business solutions, while helping customers use digital and self-service banking options.

The banker supports branch transactions and customer experience, makes personal lending credit recommendations, and manages risk and compliance in accordance with applicable policies, laws, and regulations. The role may involve work at multiple branches or across different channels, with schedules that can vary from week to week in days, hours, and shifts. Spanish is preferred but not required.

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.
• For Canada: registration to sell investment products, as appropriate for the jurisdiction.
• Appropriate lending qualifications and designations.
• Working knowledge of personal and small business customer needs and solutions.
• Working knowledge of retail investment and lending products.
• Consultative customer service or sales experience.
• Confident use of social media, tablets, smartphones, online tools, and applications.
• Commitment to helping customers and delivering a personal customer experience.
• Ability to focus on results and thrive in a consultative sales and team-based environment.
• Resourcefulness and confidence in approaching customers.
• Willingness to collaborate and work in different team capacities.
• Strong interpersonal skills and ability to build rapport with customers.
• Listening, problem-solving, flexibility, and creativity when responding to challenges.
• Good verbal and written communication skills.
• Good organization skills.
• Good collaboration and teamwork skills.
• Good analytical and problem-solving skills.
• For the U.S.: Federal registration with the Nationwide Mortgage Licensing System and Registry is required for the consumer loan originator role; criminal background and credit history reviews apply, along with restrictions on working as a real estate agent.

Nice To Haves

• Spanish bilingual ability.
• Experience in financial services.

Responsibilities

• Proactively engage existing customers and prospects through needs-based assessments to build loyalty and identify current and future opportunities.
• Recommend tailored financial solutions for everyday banking, investments, lending, home financing, and small business needs.
• Advise customers on digital and self-service banking options.
• Support customer transactions based on branch traffic.
• Generate appointments and build new customer relationships in the community.
• Address questions and resolve issues identified through consumer credit audits and quality checks.
• 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 as a member of the branch and market team.
• Identify customer banking and credit card needs and incorporate relevant marketing programs into conversations.
• Maintain accurate and complete work information.
• Find creative ways to personalize customer experiences and contribute to their improvement.
• Follow risk and compliance processes, safeguard customer assets and privacy, and act in customers’ best interests.
• Stay current on financial services, legal and regulatory requirements, and personal banking products, practices, and trends.
• Identify and report suspicious activity potentially related to money laundering.
• Complete complex tasks within established rules and limits, handle possible escalations, and analyze issues to determine next steps.
• Take measured, risk-informed decisions consistent with the Risk Management Framework, approved Risk Appetite, business strategy, and applicable policies and laws.

Benefits

• Health insurance
• Tuition reimbursement
• Accident and life insurance
• Retirement savings plans
• Performance-based incentives and discretionary bonuses may be included, depending on the position’s pay type.

What This Job Offers

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