Retail Relationship Banker

Retail Banking Sales & Service Representative

Delivers exceptional service to BMO customers and prospects. Identifies customer needs and provides advice and guidance regarding financial solutions that are in the best interests of customers. Works collaboratively within the branch and through various channels with BMO partners to deliver the desired customer experience and achieve overall business objectives.

Responsibilities include :

• Taking a lead in proactively engaging with existing customers and prospects by providing needs-based assessments to grow loyalty and identify immediate / future opportunities.
• Engaging customers to complete needs assessments that identify financial solutions and preferred banking channels while recommending tailored solutions addressing both sales and service needs (e.g. everyday banking, retail investments, lending solutions, home financing (including business-for-self applications)), and small business solutions).
• Offering clients advice and guidance on available digital and self-serve options with the goal of making banking easy, simple, and fast.
• Supporting customer transactions needs based on customer traffic.
• Engaging customers to grow BMO's business by reaching out, generating appointments, and building new relationships within the community.
• Addressing questions and resolving issues raised through consumer credit audits and quality checks to ensure accurate data entry and lending application recommendations in compliance with legal and regulatory requirements and lending policies and processes.
• Applying the risk management framework to the portfolio to protect the Bank's assets and maintain the quality of the lending portfolio in compliance with requirements for the lending process and established yield, quality, diversification, and risk guidelines.
• Making credit recommendations for personal lending transactions, including home financing, in accordance with sound credit granting principles and with the Bank's policies and procedures.
• Acting as a key member of a collaborative and versatile branch and market team.
• Probing to understand customer personal banking and credit card needs and integrating marketing promotions and programs into customer conversations to provide strategic advice.
• Organizing work information to ensure accuracy and completeness.
• Taking the initiative to find creative approaches that make each customer's experience feel personal.
• Looking for ways to contribute to the ongoing improvement of the overall customer experience.
• Contributing to business results and the overall experience delivered.
• May work at multiple branches or through various channels based on market needs; work schedule may differ from week to week in terms of days worked, hours, and shifts.
• Following through on risk and compliance processes and policies to ensure we safeguard our customers' assets, maintain their privacy, and act in their best interest.
• Keeping current with the wider financial services marketplace, the legal and regulatory environment, and our commitment to uphold the highest ethical requirements of our industry.
• Maintaining current knowledge of personal banking products, practices, and trends and integrating into customer conversations.
• Identifying and reporting suspicious patterns of activity that are suspected to be related to money laundering.
• Complying with legal and regulatory requirements for the jurisdiction.
• Protecting the Bank's assets in compliance with all regulatory, legal, and ethical requirements.
• Completing complex & diverse tasks within given rules / limits and may include handling escalations from other employees.
• Analyzing issues and determining next steps.
• Broader work or accountabilities may be assigned as needed.

Qualifications :

U.S. Only : This position will act as an originator of consumer loans as defined by Regulation Z, Regulation G, and the Secure and Fair Enforcement for Mortgage Licensing Act (the S.A.F.E. Act). This position will require a Federal registration with the Nationwide Mortgage Licensing System and Registry. The Bank will instruct you on the registration requirements needed to comply with this requirement. A criminal background review and credit history evaluation will be required for this position as well as restrictions on performing in a real estate agent capacity.

Salary : $41,714.00 - $69,000.00

Pay Type : Salaried

The above represents BMO Financial Group's pay range and type.

Salaries will vary based on factors such as location, skills, experience, education, and qualifications for the role, and may include a commission structure. Salaries for part-time roles will be pro-rated based on number of hours regularly worked. For commission roles, the salary listed above represents BMO Financial Group's expected target for the first year in this position.

BMO Financial Group's total compensation package will vary based on the pay type of the position and may include performance-based incentives, discretionary bonuses, as well as other perks and rewards. BMO also offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans.