Retail Relationship Banker

BMO Cedarburg , WI 53012

Posted 3 weeks ago

Address:

W62 N209 Washington Avenue

Job Family Group:

Retail Banking Sales & Service

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 with BMO partners to deliver the desired customer experience and achieve overall business objectives.

  • Takes a lead in proactively engaging with existing customers and prospects by providing needs-based assessments to grow loyalty and identify immediate / future opportunities.

  • Engages 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).

  • Offers clients advice and guidance on available digital and self-serve options with the goal of making banking easy, simple, and fast.

  • Supports customer transactions needs based on customer traffic.

  • Engages customers to grow BMO's business by reaching out, generating appointments, and building new relationships within the community.

  • Addresses questions and resolves 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.

  • Applies 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.

  • Makes credit recommendations for personal lending transactions, including home financing, in accordance with sound credit granting principles and with the Bank's policies and procedures.

  • Acts as a key member of a collaborative and versatile branch and market team.

  • Probes to understand customer personal banking and credit card needs and integrates marketing promotions and programs into customer conversations to provide strategic advice.

  • Organizes work information to ensure accuracy and completeness.

  • Takes the initiative to find creative approaches that make each customer's experience feel personal.

  • Looks for ways to contribute to the ongoing improvement of the overall branch customer experience.

  • Contributes to business results and the overall experience delivered in the branch.

  • May work at multiple branches based on market needs; work schedule may differ from week to week in terms of days worked, hours, and shifts.

  • Follows through on risk and compliance processes and policies to ensure we safeguard our customers' assets, maintain their privacy, and act in their best interest.

  • Keeps current with the wider financial services marketplace, the legal and regulatory environment, and our commitment to uphold the highest ethical requirements of our industry.

  • Maintains current knowledge of personal banking and credit card industries, practices, and trends and integrates into customer conversations.

  • Identifies and reports suspicious patterns of activity that are suspected to be related to money laundering.

  • Complies with legal and regulatory requirements, including Anti-Money Laundering and Terrorist Financing reporting, Financial Consumer Agency of Canada (FCAC), and the Privacy Act.

  • Protects the Bank's assets in compliance with all regulatory, legal, and ethical requirements.

  • Completes complex & diverse tasks within given rules/limits and may include handling escalations from other employees.

  • Analyzes issues and determines next steps.

  • Broader work or accountabilities may be assigned as needed.

Qualifications:

  • Typically between 2 - 3 years of relevant experience and post-secondary degree in related field of study desirable or an equivalent combination of education and experience.

  • Registered Investment Sales Representative (RISR), including Mutual Funds Advanced completed.

  • Personal Lending Credit Qualified Working without limits, with Business For Self designation; working knowledge of creditor insurance.

  • Working knowledge of personal and small business customer needs and solutions.

  • Working knowledge of retail investments and lending products.

  • Experience in financial services is an asset.

  • Confident and experienced in the use of social media, tablets, Smart phones, online tools, and applications.

  • Experience in a consultative customer service or sales role, with a drive to deliver a personal customer experience.

  • Passionate commitment to helping our customers.

  • Drive to deliver a personal customer experience.

  • A focus on results and the ability to thrive in a consultative sales and team-based environment.

  • Resourceful self-starter with courage and confidence to approach customers.

  • Readiness to collaborate and work in different capacities as part of a team.

  • Strong interpersonal skills, including the ability to build rapport and connections with customers.

  • An aptitude for listening, solving problems, and responding flexibly and creatively to new challenges.

  • Specialized knowledge.

  • Verbal & written communication skills

  • Good.
  • Organization skillls
  • Good.
  • Collaboration & team skills
  • Good.
  • Analytical and problem solving skills
  • Good.

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.

We're here to help

At BMO Harris Bank we are driven by a shared Purpose: Boldly Grow the Good in business and life. It calls on us to create lasting, positive change for our customers, our communities and our people. By working together, innovating and pushing boundaries, we transform lives and businesses, and power economic growth around the world.

As a member of the BMO Harris Bank team you are valued, respected and heard, and you have more ways to grow and make an impact. We strive to help you make an impact from day one - for yourself and our customers. We'll support you with the tools and resources you need to reach new milestones, as you help our customers reach theirs. From in-depth training and coaching, to manager support and network-building opportunities, we'll help you gain valuable experience, and broaden your skillset.

To find out more visit us at https://bmoharriscareers.com.

BMO Harris Bank is committed to an inclusive, equitable and accessible workplace. By learning from each other's differences, we gain strength through our people and our perspectives. BMO Harris Bank N.A. is an equal opportunity/affirmative action employer. All qualified applicants will receive consideration for employment without regard to sex, gender identity, sexual orientation, race, color, religion, national origin, disability, protected Veteran status, age, or any other characteristic protected by law.

For employees who will be working in the U.S. the following applies: This position will act as an originator of consumer loans as defined by Regulation Z 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.


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Retail Relationship Banker

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