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About the Role

Delivers exceptional service to BMO customers and prospects by identifying needs and providing advice on financial solutions. Works collaboratively to achieve business objectives and proactively engages customers to grow loyalty and identify opportunities. Offers advice on digital banking options and supports customer transactions. Engages customers to grow BMO’s business by building new relationships within the community. Addresses questions and resolves issues related to consumer credit audits and lending applications, ensuring compliance with regulations and policies. Applies the risk management framework to protect the Bank's assets and maintain portfolio quality. Makes credit recommendations for personal lending transactions, including home financing. Acts as a key member of a collaborative branch and market team, integrating marketing promotions into customer conversations. Organizes work for accuracy and completeness, taking initiative to personalize customer experiences and contribute to overall improvement. May work at multiple branches or through various channels, with a flexible schedule. Follows risk and compliance processes to safeguard customer assets and privacy. Stays current with the financial services marketplace, legal/regulatory environment, and ethical requirements. Maintains knowledge of personal banking products, practices, and trends. Identifies and reports suspicious activity related to money laundering. Complies with legal and regulatory requirements and protects the Bank's assets. Completes complex tasks, analyzes issues, and determines next steps. Broader accountabilities may be assigned. Takes measured risks while protecting the bank by applying the Risk Management Framework.

Responsibilities

Identifies customer needs and provides advice and guidance regarding financial solutions.
Works collaboratively within the branch and through various channels with BMO partners to deliver the desired customer experience and achieve overall business objectives.
Takes a lead in proactively engaging with existing customers and prospects by providing needs-based assessments to grow loyalty and identify immediate / future opportunities.
Engages customers to complete needs assessments that identify financial solutions and preferred banking channels while recommending tailored solutions addressing both sales and service needs.
Offers clients advice and guidance on available digital and self-serve options.
Supports customer transactions needs based on customer traffic.
Engages customers to grow BMO’s business by reaching out, generating appointments, and building new relationships within the community.
Addresses questions and resolves 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.
Applies 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.
Makes credit recommendations for personal lending transactions, including home financing, in accordance with sound credit granting principles and with the Bank’s policies and procedures.
Acts as a key member of a collaborative and versatile branch and market team.
Probes to understand customer personal banking and credit card needs and integrates marketing promotions and programs into customer conversations to provide strategic advice.
Organizes work information to ensure accuracy and completeness.
Takes the initiative to find creative approaches that make each customer’s experience feel personal.
Looks for ways to contribute to the ongoing improvement of the overall customer experience.
Contributes to business results and the overall experience delivered.
Follows through on risk and compliance processes and policies to ensure we safeguard our customers’ assets, maintain their privacy, and act in their best interest.
Keeps current with the wider financial services marketplace, the legal and regulatory environment, and our commitment to uphold the highest ethical requirements of our industry.
Maintains current knowledge of personal banking products, practices, and trends and integrates into customer conversations.
Identifies and reports suspicious patterns of activity that are suspected to be related to money laundering.
Complies with legal and regulatory requirements for the jurisdiction.
Protects the Bank's assets in compliance with all regulatory, legal, and ethical requirements.
Completes complex & diverse tasks within given rules/limits and may include handling escalations from other employees.
Analyzes issues and determines 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.
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.
Verbal & written communication skills - Good.
Organization skills - Good.
Collaboration & team skills - Good.
Analytical and problem solving skills - Good.
U.S. Only: This position will 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).
U.S. Only: This position will require a Federal registration with the Nationwide Mortgage Licensing System and Registry.
U.S. Only: A criminal background review and credit history evaluation will be required for this position as well as restrictions on performing in a real estate agent capacity.

Skills

Bilingual in English, Cantonese, and/or Mandarin Language is preferred.
Financial solutions
Customer experience
Needs-based assessments
Financial solutions
Sales needs
Service needs
Everyday banking
Retail investments
Lending solutions
Home financing
Business-for-self applications
Small business solutions
Digital banking options
Self-serve options
Risk management framework
Credit granting principles
Marketing promotions
Personal banking
Credit card needs
Personalized customer experience
Social media
Tablets
Smart phones
Online tools
Applications
Consultative customer service
Sales role
Interpersonal skills
Build rapport
Build connections
Listening
Problem solving
Flexible response
Creative response
Verbal communication
Written communication
Organization
Collaboration
Teamwork
Analytical skills
Problem solving skills

Location

2675 San Bruno Ave.

Work Type

Salaried
Full-time
Part-time

Experience Level

2 - 3 years of relevant experience

Education Level

Post-secondary degree in related field of study desirable

Salary/Compensations

$50,100.00 - $82,800.00

Benefits

Health insurance
Tuition reimbursement
Accident and life insurance
Retirement savings plans

About the Company

At BMO we are driven by a shared Purpose: Boldly Grow the Good in business and life. It calls on us to create lasting, positive change for our customers, our communities and our people. By working together, innovating and pushing boundaries, we transform lives and businesses, and power economic growth around the world. As a member of the BMO team you are valued, respected and heard, and you have more ways to grow and make an impact. We strive to help you make an impact from day one – for yourself and our customers. We’ll support you with the tools and resources you need to reach new milestones, as you help our customers reach theirs. From in-depth training and coaching, to manager support and network-building opportunities, we’ll help you gain valuable experience, and broaden your skillset.
BMO is a leading bank driven by a single purpose: to Boldly Grow the Good in business and life. Everywhere we do business, we’re focused on building, investing and transforming how we work to drive performance and continue growing the good.
We’re proud to be fueling growth and expanding possibilities for individuals, families and businesses. More than 12 million customers count on us for personal and commercial banking, wealth management and investment services. As the 8th largest bank in North America by assets, we provide personal and commercial banking, wealth management and investment services to more than 12 million customers. In Canada, the United States and across the globe, we’ll continue to build, invest and transform to drive performance that serves the good that grows.

Equal Opportunity

BMO is proud to be an equal employment opportunity employer. We evaluate applicants without regard to race, religion, color, national origin, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, transgender status, sexual stereotypes, age, status as a protected veteran, status as an individual with a disability, or any other legally protected characteristics.
We also consider applicants with criminal histories, consistent with applicable federal, state and local law.
BMO is committed to working with and providing reasonable accommodations to individuals with disabilities. If you need a reasonable accommodation because of a disability for any part of the employment process, please send an e-mail to BMOCareers.Support@bmo.com and let us know the nature of your request and your contact information.