Personal Lending Specialist, Bmo Virtual Connect

Understands customer needs and provides credit and lending-related sales and service to BMO customers or prospects. Advises customers on borrowing strategies and products that meet their objectives. Fulfills sales and service activities for the customer in accordance with approved procedures. Identifies and makes referrals to other business groups. Works through various channels based on the market needs to deliver the desired customer experience and achieve overall business objectives.

• Adheres to regulatory and compliance requirements, including Anti-Money Laundering and Terrorist Financing reporting requirements, Financial Consumer Agency of Canada (FCAC) consumer provision requirements and Privacy Act provisions.
• Analyzes issues and determines next steps.
• 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.
• May provide training and coaching to junior associates as needed.
• Maintains the confidentiality of customer and Bank information.
• Verbal & written communication skills - Good.
• May research and investigate lending applications, following established processes.
• Escalates complex or unresolved customer situations to managers as required.
• Integrates marketing promotions and programs into customer conversations, where appropriate.
• Uses authorized credit qualifications as needed to fulfill customer requests.
• Organization skills - Good.
• Maintains current knowledge of personal banking and lending products, practices, and trends and integrates into customer conversations in a professional manner.
• Broader work or accountabilities may be assigned as needed. Qualifications:
• Identifies and reports suspicious patterns of activity that are suspected to be related to money laundering.
• Performs any required documentation to ensure customer’s requests are accurately processed.
• Makes credit decisions / recommendations in accordance with sound credit-granting principles and in compliance with Bank Policy & Procedures.
• Manages all transactional outcomes of customer contacts or defers to appropriate internal business groups.
• Knowledge of competitive marketplace and trends in product offerings.
• Term Investment Qualified (as required).
• Probes to understand customer needs and provides advice related to personal banking and borrowing strategies in the best interests of the customer.
• Knowledge of call centre technology, processes and metrics.
• Specialized knowledge.
• Analytical and problem solving skills - Good.
• Completes complex & diverse tasks within given rules/limits and may include handling escalations from other employees.
• Knowledge of contact centre operational processes and policies.
• Knowledge of personal lending and home financing products.
• Handles customer contacts in an informed, professional, and efficient manner.
• Collaboration & team skills - Good.

We’re here to help

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.

To find out more visit us at https://jobs.bmo.com/us/en

BMO is committed to an inclusive, equitable and accessible workplace. By learning from each other’s differences, we gain strength through our people and our perspectives. BMO is an equal opportunity/affirmative action employer. All qualified applicants will receive consideration for employment without regard to sex, gender identity, sexual orientation, race, color, religion, national origin, disability, protected Veteran status, age, or any other characteristic protected by law. Accommodations are available on request for candidates taking part in all aspects of the selection process. To request accommodation, please contact your recruiter.

Note to Recruiters: BMO does not accept unsolicited resumes from any source other than directly from a candidate. Any unsolicited resumes sent to BMO, directly or indirectly, will be considered BMO property. BMO will not pay a fee for any placement resulting from the receipt of an unsolicited resume. A recruiting agency must first have a valid, written and fully executed agency agreement contract for service to submit resumes.