Retail Relationship Banker

BMO Financial Group; Boone (IA); On-site; USD 50,000 - 70,000; Full time

Job summary

A leading financial institution in Boone is seeking a dedicated professional to deliver exceptional service while advising customers on tailored financial solutions. This role involves engaging with clients, conducting needs assessments, and ensuring compliance with regulations. The ideal candidate will possess strong interpersonal skills and relevant experience in financial services, contributing to the overall business objectives of the branch.

Qualifications

• Typically 2-3 years relevant experience.
• Lending qualifications and designations required.

Responsibilities

• Engage with customers to grow loyalty and identify opportunities.
• Advise clients on financial solutions, including lending and investments.
• Ensure compliance and maintain portfolio quality.

Skills

Customer Service

Problem Solving

Interpersonal Skills

Adaptability

Education

Post-secondary degree

Tools

Social Media

Online Tools

Job description

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.

U.S. Only: This position will act as an originator of consumer loans as defined by Regulation Z, Regulation G, and the S.A.F.E. Act. Requires Federal registration with the Nationwide Mortgage Licensing System and Registry. The Bank will guide you on registration requirements. A criminal background review and credit history evaluation are also required, along with restrictions on performing in a real estate agent capacity.

Responsibilities

1. Proactively engage with existing customers and prospects by providing needs-based assessments to grow loyalty and identify opportunities.
2. Conduct needs assessments to recommend tailored financial solutions, including banking channels, investments, lending, and small business solutions.
3. Advise clients on digital and self-serve banking options to enhance convenience.
4. Support customer transactions based on traffic and demand.
5. Expand BMO’s business by outreach, appointment setting, and community relationship building.
6. Ensure compliance through accurate data entry and lending recommendations, addressing questions and resolving issues.
7. Apply risk management principles to maintain portfolio quality and safeguard assets.
8. Make credit recommendations for personal loans, including home financing, following sound principles and policies.
9. Collaborate within a versatile branch and market team.
10. Understand customer needs and incorporate marketing promotions into discussions.
11. Organize work information for accuracy and completeness.
12. Innovate to personalize customer experiences and improve branch service quality.
13. Contribute to overall business results and customer experience enhancements.
14. Work across multiple branches as needed; schedule may vary weekly.
15. Adhere to risk and compliance policies to protect customer assets and privacy.
16. Stay informed on marketplace trends, regulations, and ethical standards.
17. Maintain knowledge of banking products, practices, and trends.
18. Report suspicious activities related to money laundering.
19. Comply with legal and regulatory requirements.
20. Handle complex tasks and escalations as needed.
21. Analyze issues and determine appropriate next steps.

Qualifications

• Typically 2-3 years relevant experience; post-secondary degree desirable or equivalent.
• For Canada: Investment product registration completed, as appropriate.
• Lending qualifications and designations required.
• Knowledge of personal and small business customer needs, retail investments, and lending products.
• Experience in financial services is an asset.
• Proficient with social media, tablets, smartphones, and online tools.
• Experience in customer service or sales with a focus on personal experience.
• Strong interpersonal and listening skills, problem-solving ability, and adaptability.

Application Deadline: 06/01/2025

Address: 717 8th St.

Job Family Group: Retail Banking Sales & Service