Retail Relationship Banker

Job Summary

Delivers exceptional service to BMO customers and prospects as a Retail Banking – Sales & Service Specialist. Identifies customer needs and provides financial solutions that best serve their interests, delivering a personalized experience through branches and digital channels.

• Proactively engage existing customers and prospects to conduct needs‑based assessments and recommend solutions across everyday banking, retail investments, lending, home financing, and small business options.
• Provide tailored advice and guidance on digital and self‑serve banking to simplify transactions.
• Support customers’ transaction needs and grow BMO’s business through appointments, relationship building, and community outreach.
• Handle consumer credit audits and quality checks, ensuring accurate data entry and compliant lending recommendations.
• Apply the Risk Management Framework to protect the bank’s assets and maintain portfolio quality, following lending policies and regulatory requirements.
• Make credit recommendations for personal lending transactions, including home financing, in line with sound credit principles and banks’ policies.
• Integrate marketing promotions into conversations to provide strategic advice and maximize sales opportunities.
• Keep current with the financial services marketplace, legal and regulatory environment, and maintain ethical standards.
• Identify and report suspicious activity related to money laundering.
• Collaborate across branches and channels, adapting to varying schedules and shifts.
• Complete complex tasks, analyze issues, and determine next steps; take measured risks within the approved risk appetite.

• Typically 2–3 years of relevant experience and a post‑secondary degree in a related field, or equivalent education/experience.
• Knowledge of personal and small‑business customer needs and solutions, and retail investments and lending products.
• Experience in a consultative customer service or sales role with a focus on delivering a personal experience.
• Strong interpersonal, communication, and problem‑solving skills.
• Self‑starter, resourceful, and comfortable using social media, tablets, smartphones, and other digital tools.
• Canada‑only:
  Registration to sell investment products completed – as appropriate for the jurisdiction; appropriate lending qualifications and designations.
• U.S.‑only:
  Position requires Federal registration with the Nationwide Mortgage Licensing System and Registry under Regulation Z, Regulation G, and the S.A.F.E. Act; criminal background review and credit evaluation.

Salary range: $41,714 – $65,000 per year (Salaried). Compensation may include commissions, performance‑based incentives, discretionary bonuses, and other perks. Eligible for health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans. For more details visit the Total Rewards page.

BMO is committed to being an equal employment opportunity employer and evaluates applicants without regard to race, religion, color, national origin, sex, sexual orientation, gender identity, age, veteran status, disability status, or any other protected characteristic. Reasonable accommodations will be provided for qualified applicants with disabilities.