The Personal Banker delivers exceptional service to BMO customers and prospects, identifying their needs and providing advice and guidance on financial solutions. This role involves working collaboratively within the branch and with BMO partners to achieve business objectives and a desired customer experience.
Responsibilities
Take a lead in proactively engaging with existing customers and prospects by providing needs-based assessments to grow loyalty and identify immediate/future opportunities
Engage customers to complete needs assessments that identify financial solutions and preferred banking channels while recommending tailored solutions addressing both sales and service needs (e.g., everyday banking, retail investments, lending solutions, home financing (including business-for-self applications), and small business solutions)
Offer clients advice and guidance on available digital and self-serve options with the goal of making banking easy, simple, and fast
Support customer transactions needs based on customer traffic
Engage customers to grow BMO’s business by reaching out, generating appointments, and building new relationships within the community
Address questions and resolve issues raised through consumer credit audits and quality checks to ensure accurate data entry and lending application recommendations in compliance with legal and regulatory requirements and lending policies and processes
Apply the risk management framework to the portfolio to protect the Bank's assets and maintain the quality of the lending portfolio in compliance with requirements for the lending process and established yield, quality, diversification, and risk guidelines
Make credit recommendations for personal lending transactions, including home financing, in accordance with sound credit granting principles and with the Bank’s policies and procedures
Act as a key member of a collaborative and versatile branch and market team
Probe to understand customer personal banking and credit card needs and integrate marketing promotions and programs into customer conversations to provide strategic advice
Organize work information to ensure accuracy and completeness
Take the initiative to find creative approaches that make each customer’s experience feel personal
Look for ways to contribute to the ongoing improvement of the overall customer experience
Contribute to business results and the overall experience delivered
May work at multiple branches or through various channels based on market needs; work schedule may differ from week to week in terms of days worked, hours, and shifts
Follow through on risk and compliance processes and policies to ensure we safeguard our customers’ assets, maintain their privacy, and act in their best interest
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Keep current with the wider financial services marketplace, the legal and regulatory environment, and our commitment to uphold the highest ethical requirements of our industry
Maintain current knowledge of personal banking products, practices, and trends and integrate into customer conversations
Identify and report suspicious patterns of activity that are suspected to be related to money laundering
Comply with legal and regulatory requirements for the jurisdiction
Protect the Bank's assets in compliance with all regulatory, legal, and ethical requirements
Complete complex & diverse tasks within given rules/limits and may include handling escalations from other employees
Analyze issues and determine next steps
Broader work or accountabilities may be assigned as needed
Take measured risks while protecting the bank by applying our Risk Management Framework in the execution of your role, in line with our Risk Culture and within our approved Risk Appetite, making sound and risk informed decisions that align to business strategy, protect assets, and adhere to applicable policy documents (Frameworks, Policies, Standards, Procedures and Supporting documents), laws and regulations
Requirements
Typically between 2 - 3 years of relevant experience and post-secondary degree in related field of study desirable or an equivalent combination of education and experience
Canada only: Registration to sell investment products completed - as appropriate for the jurisdiction
Appropriate lending qualifications and designations
Working knowledge of personal and small business customer needs and solutions
Working knowledge of retail investments and lending products
Experience in financial services is an asset
Confident and experienced in the use of social media, tablets, Smart phones, online tools, and applications
Experience in a consultative customer service or sales role, with a drive to deliver a personal customer experience
Passionate commitment to helping our customers
Drive to deliver a personal customer experience
A focus on results and the ability to thrive in a consultative sales and team-based environment
Resourceful self-starter with courage and confidence to approach customers
Readiness to collaborate and work in different capacities as part of a team
Strong interpersonal skills, including the ability to build rapport and connections with customers
An aptitude for listening, solving problems, and responding flexibly and creatively to new challenges
Specialized knowledge
Good verbal & written communication skills
Good organization skills
Good collaboration & team skills
Good analytical and problem solving skills
Benefits
Performance-based incentives
Discretionary bonuses
Other perks and rewards
Health insurance
Tuition reimbursement
Accident and life insurance
Retirement savings plans
Important Details
Application deadline: 11/09/2026
Work schedule: may differ from week to week in terms of days worked, hours, and shifts
About the Company
At BMO, the company is driven by a shared Purpose: Boldly Grow the Good in business and life, aiming to create lasting, positive change for customers, communities, and people. BMO strives to help employees make an impact from day one, supporting them with tools and resources to reach new milestones.
