BMO Financial Group
Retail Banking
PersonalBanker
“Personal Banker at BMO Financial Group. Skills: Sales, Customer Service, Financial Advice, Lending, Risk Management. Delivers exceptional service to BMO customers and prospects.. Identifies customer needs and provides advice and guidance regarding financial solutions that are in the best interests of customers.”
What You'll Achieve.
Achieve overall business objectives.; Grow loyalty; Identify immediate / future opportunities; Grow BMO’s business; Protect the Bank's assets; Maintain the quality of the lending portfolio; Contribute to business results; Protect assets; Adhere to applicable policy documents, laws and regulations.
Industry & Context.
An aptitude for listening, solving problems, and responding flexibly and creatively to new challenges.; Analytical and problem solving skills - Good.; Analyzes issues and determines next steps.
May work at multiple branches or through various channels based on market work schedule may differ from week to week in terms of days worked, hours, and shifts.
What They're Looking For.
Must Have
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 a consultative customer service or sales role, with a drive to deliver a personal customer experience., Resourceful self-starter with courage and confidence to approach customers., Readiness to collaborate and work in different capacities as part of a team., An aptitude for listening, solving problems, and responding flexibly and creatively to new challenges., Verbal & written communication skills - Good., Organization skills - Good., Collaboration & team skills - Good., Analytical and problem solving skills - Good.
Nice to Have
Post-secondary degree in related field of study desirable or an equivalent combination of education and experience., Experience in financial services is an asset., Confident and experienced in the use of social media, tablets, Smart phones, online tools, and applications., 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., Specialized knowledge.
What You'll Do.
Delivers exceptional service to BMO customers and prospects.
Identifies customer needs and provides advice and guidance regarding financial solutions that are in the best interests of customers.
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 with the goal of making banking easy
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
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.
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
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
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.
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
and adhere to applicable policy documents (Frameworks
Procedures and Supporting documents)
laws and regulations.
How You'll Work.
Team & Collaboration
Works collaboratively within the branch and through various channels with BMO partners to deliver the desired customer experience and achieve overall business objectives.; Acts as a key member of a collaborative and versatile branch and market team.; Readiness to collaborate and work in different capacities as part of a team.
Communication Scope
Verbal & written communication skills - Good.
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