Retail Relationship Banker BMO

Retail Insider Media Ltd; Joliet (IL); On-site; USD 60,000 - 80,000; Full time

Job description

Job Highlights

Title: Retail Relationship Banker

Type: Full Time

Experience: 2-3 Years

Function: Retail Banking Services

Location: Joliet, IL, United States

Company: BMO (USA)

Company Profile

BMO is a leading North American bank providing personal and commercial banking, global markets, and investment banking services.

Job Profile

The bank is hiring a Retail Relationship Banker who will deliver exceptional service to BMO customers and prospects. Responsibilities include identifying customer needs and providing advice and guidance regarding financial solutions that are in customers’ best interests. The role requires collaboration within the branch and with BMO partners to deliver the desired customer experience and achieve overall business objectives.

US Only: 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). Requires Federal registration with the Nationwide Mortgage Licensing System and Registry.

Education Level

• Post-secondary Degree in a related field of study (desirable)
• Appropriate lending qualifications and designations.

Work Experience

• Typically, 2-3 years of relevant experience or an equivalent combination of education and experience.
• Experience in a consultative customer service or sales role, with a drive to deliver a personal customer experience.
• Experience in financial services is an asset.

Duties/Responsibilities

• Acts as a key collaborative and versatile branch and market team member.
• Addresses questions and resolves issues raised through consumer credit audits and quality checks.
• Analyzes issues and determines next steps.
• Applies the risk management framework to the portfolio.
• Completes complex and diverse tasks within given rules/limits.
• Complies with legal and regulatory requirements.
• Contributes to business results and the overall experience delivered in the branch.
• Engages customers to complete needs assessments that identify financial solutions.
• Engages customers to grow BMO’s business.
• Follows through on risk and compliance processes and policies.
• Identifies and reports suspicious patterns of activity.
• Keeps current with the wider financial services marketplace.
• Looks for ways to contribute to the ongoing improvement of the overall branch customer experience.
• Maintains current knowledge of personal banking products.
• Makes credit recommendations for personal lending transactions.
• May work at multiple branches based on market needs.
• Offers clients advice and guidance on available digital and self-serve options.
• Organizes work information to ensure accuracy and completeness.
• Probes to understand customer personal banking and credit card needs.
• Protects the Bank’s assets in compliance with all regulatory, legal, and ethical requirements.
• Takes a lead in proactively engaging with existing customers and prospects.
• Takes the initiative to find creative approaches that make each customer’s experience feel personal.

Skills/Knowledge/Abilities

• A focus on results and the ability to thrive in a consultative sales and team-based environment.
• An aptitude for listening, solving problems, and responding flexibly to new challenges.
• Analytical and problem-solving skills.
• Collaboration and team skills.
• Confident in using social media, tablets, smartphones, online tools, and applications.
• Drive to deliver a personal customer experience.
• Organization skills.
• Passionate commitment to helping customers.
• Readiness to collaborate and work in different capacities as part of a team.
• Resourceful self-starter with the courage to approach customers.
• Strong interpersonal skills.
• Verbal and written communication skills.
• Working knowledge of personal and small business customer needs and solutions.
• Working knowledge of retail investments and lending products.

Benefits/Perks

• Health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans.

Employer’s Statement

BMO is an Equal Opportunity 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.