Retail Relationship Banker

Job Overview BMO Retail Banking Sales & Service associates deliver exceptional service to BMO customers by identifying their needs, providing tailored financial advice, and guiding them through a range of banking and lending solutions. They work collaboratively across the branch and through multiple channels, proactively engaging existing customers and prospects to build long‑term relationships and grow business. Responsibilities Identify customer needs and provide timely, needs‑based assessments. Recommend and explain a full spectrum of financial solutions, including everyday banking, retail investments, lending products, personal and small‑business financing, and digital self‑serve options. Engage customers to complete needs assessments and recommend the most suitable banking channels. Support accurate and timely customer transactions and resolutions of issues raised through audits and quality checks. Apply the risk management framework to protect the bank’s assets, maintain portfolio quality, and adhere to lending policies and yield guidelines. Makes credit recommendations for personal lending transactions, including home financing, in accordance with sound credit principles and bank procedures. Exercise consultative sales techniques, incorporate marketing promotions, and provide strategic advice to enhance the customer experience. Maintain accurate and complete customer information, ensuring data integrity in all entered records. Develop creative approaches to personalize each customer interaction and contribute to continuous improvement initiatives. Collaborate with branch and market teams, including participation in multiple branches or channels as business needs dictate. Follow risk and compliance processes, protect customer privacy, resolve suspicious activity, and comply with all regulatory and legal requirements. Handle complex tasks and escalations, analyze issues, and determine appropriate next steps. Qualifications Typically 2–3 years of relevant experience or equivalent combination of education and experience. Post‑secondary degree in a related field desired. Registration to sell investment products (as required for the jurisdiction). Appropriate lending qualifications and designations. Working knowledge of personal and small‑business customer needs and solutions, as well as retail investments and lending products. Experience in a consultative customer service or sales role with a passion for delivering a personal experience. Proficiency in using social media, tablets, smartphones, online tools, and applications. Strong interpersonal, communication, listening, problem‑solving, organization, collaboration, and analytical skills. Self‑starter who is resourceful, confident, and able to approach customers with courage and creativity. U.S. Only: must be authorized to originate consumer loans under Regulation Z, Regulation G, and the S.A.F.E. Act, and hold a valid Nationwide Mortgage Licensing System and Registry registration. Salary $41,714.00 – $65,000.00 (Salaried). Compensation may vary based on location, experience, and education. Commission structure may be included for eligible roles. Benefits Health, dental, vision insurance Tuition reimbursement Accident and life insurance Retirement savings plan (RRSP, 401(k), etc.) Performance‑based incentives and discretionary bonuses Other perks and rewards as outlined in the total rewards program Equal Opportunity Employment BMO is an equal‑employment‑opportunity employer that does not discriminate based on race, religion, color, national origin, sex (including pregnancy), sexual orientation, gender identity, age, protected veteran status, disability, or any other legally protected characteristic. BMO may consider applicants with criminal histories consistent with applicable law. BMO offers reasonable accommodations for individuals with disabilities during the employment process. If you require a reasonable accommodation, please email View email address on click.appcast.io with the nature of your request and your contact information. #J-18808-Ljbffr