Retail Relationship Banker

Responsibilities

• Deliver exceptional service to BMO customers and prospects.
• Identify customer needs and provide advice on financial solutions that serve customers best.
• Collaborate within the branch and with BMO partners to deliver the desired customer experience and achieve business objectives.
• Proactively engage existing customers and prospects, conducting needs‑based assessments to grow loyalty and uncover immediate and future opportunities.
• Recommend tailored solutions—including everyday banking, retail investments, lending solutions, home financing (including business‑for‑self applications), and small business solutions—while guiding customers toward digital and self‑serve options for easier banking.
• Support customer transaction needs based on traffic and actively build new relationships within the community.
• Resolve questions and issues via consumer credit audits and quality checks, ensuring accurate data entry and compliance with legal and regulatory requirements.
• Apply the Risk Management Framework to protect the bank’s assets and maintain the quality of the lending portfolio.
• Make credit recommendations for personal lending transactions, including home financing, following sound credit granting principles and bank policies.
• Act as a key member of a collaborative branch and market team, integrating marketing promotions into customer conversations and providing strategic advice.
• Organize work information for accuracy, completeness, and continuous improvement of the customer experience.
• Manage various tasks, including escalations, while adhering to risk and compliance processes and safeguarding customer assets and privacy.
• Monitor for suspicious activity related to money laundering and report as required.
• Maintain current knowledge of personal banking products, practices, and regulatory developments, incorporating this knowledge into customer interactions.
• Periodically change work locations and schedules according to branch and market needs, remaining flexible across shifts and days worked.
• Apply sound, risk‑informed decisions in alignment with business strategy, while respecting policy, law, and regulatory mandates.

• 2–3years of relevant experience and a post‑secondary degree in a related field (or equivalent combination of education and experience).
• For Canada: a completed registration to sell investment products suitable for the jurisdiction.
• Appropriate lending qualifications and designations.
• Strong working knowledge of personal and small‑business customer needs and solutions.
• Proficiency with retail investments and lending products.
• Experience in financial services and consultative customer service or sales roles.
• Confidence in using social media, tablets, smartphones, online tools, and applications.
• Drive to deliver a personal customer experience and passion for helping customers.
• Results orientation and the ability to thrive in a consultative, team‑based environment.
• Resourceful, self‑starter with confidence to approach customers and collaborate across teams.
• Excellent interpersonal skills, listening ability, and problem‑solving creativity.
• Strong verbal and written communication, organization, collaboration, and analytical skills.

Salary range: $41,714 – $65,000 (Salaried). Compensation may include commissions, performance incentives, discretionary bonuses, and other perks such as health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans.

BMO is proud to be an equal employment opportunity. We evaluate applicants without regard to race, religion, color, national origin, sex (including pregnancy and related conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, or disability. We also consider applicants with criminal histories consistent with applicable law and provide reasonable accommodations for individuals with disabilities where needed.