BMO Financial Group
Retail Banking
RetailRelationshipBanker
“Retail Relationship Banker at BMO Financial Group. Skills: Customer service, Financial advice, Sales, Relationship building. Deliver exceptional service to BMO customers and prospects. Identify customer needs and provide advice”
What You'll Achieve.
Achieve overall business objectives; Grow loyalty; Contribute to business results; Protect the Bank's assets; Maintain the quality of the lending portfolio; Uphold the highest ethical requirements of our industry
Industry & Context.
An aptitude for listening, solving problems, and responding flexibly and creatively to new challenges; Analyzes issues and determines next steps; Analytical and problem solving skills - Good
May work at multiple branches or through various channels based on market work schedule may differ from week to week in terms of days worked, hours, and shifts, Criminal background review, Credit history evaluation, Restrictions on performing in a real estate agent capacity
What They're Looking For.
Must Have
Typically between 2 - 3 years of relevant experience, post-secondary degree in related field of study desirable or an equivalent combination of education and experience, Canada only: Registration to sell investment products completed - 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 investments and lending products, 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, 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, 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 skills - 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, 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
Nice to Have
Experience in financial services is an asset, Passion for helping customers, Drive to deliver a personal customer experience, Interpersonal skills
What You'll Do.
Deliver exceptional service to BMO customers and prospects
Identify customer needs and provide advice
Provide guidance regarding financial solutions
Proactively engage with existing customers and prospects
Provide needs-based assessments to grow loyalty
Identify immediate / future opportunities
Engage customers to complete needs assessments
Identify financial solutions and preferred banking channels
Recommend tailored solutions addressing sales and service needs
Offer clients advice and guidance on digital options
Support customer transactions needs
Engage customers to grow BMO’s business
Build new relationships within the community
Address questions and resolve issues raised through audits
Ensure accurate data entry and lending application recommendations
Apply the risk management framework to the portfolio
Protect the Bank's assets
Maintain the quality of the lending portfolio
Make credit recommendations for personal lending transactions
Probe to understand customer personal banking and credit card needs
Integrate marketing promotions and programs into customer conversations
Organize work information to ensure accuracy and completeness
Find creative approaches that make customer experience personal
Contribute to the ongoing improvement of customer experience
Contribute to business results
Follow through on risk and compliance processes
Keep current with financial services marketplace
Maintain current knowledge of personal banking products
Integrate product knowledge into customer conversations
Identify and report suspicious patterns of activity
Comply with legal and regulatory requirements
Protect the Bank's assets
Complete complex & diverse tasks
Handle escalations from other employees
Analyze issues and determine next steps
Take measured risks while protecting the bank
Make sound and risk informed decisions
How You'll Work.
Team & Collaboration
Works collaboratively within the branch and through various channels with BMO partners; Acts as a key member of a collaborative and versatile branch and market team; Readiness to collaborate and work in different capacities as part of a team
Communication Scope
Verbal & written communication skills - Good
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