Customer Banking Associate

Job Description:Customer Banking Associate

Delivers exceptional support to BMO customers and potential clients by recognizing their needs and providing advice on financial solutions that are beneficial to them. Collaborates effectively within the branch and through diverse channels with BMO partners to deliver the desired customer experience and achieve overall business goals.

Responsibilities include:

• Takes the initiative in actively connecting with current clients and potential leads through offering needs-based assessments to enhance loyalty and identify immediate or future opportunities.
• Encourages clients to participate in assessments to uncover financial needs and favored banking preferences, then offers personalized recommendations addressing both sales and service aspects, including everyday banking, retail investments, lending solutions, home financing (including self-employment applications), and small business offerings.
• Advises individuals on adopting and leveraging digital and self-serve alternatives to promote ease, simplicity, and speed in their banking interactions.
• Assists with customer transactions by considering the number of customers present.
• Cultivates customer engagement to support the development of BMO's business through outreach, appointment generation, and fostering new connections within the community.
• Resolves consumer credit audit inquiries and quality evaluation challenges to guarantee precise data entry and lending application recommendations in compliance with legal and regulatory requirements and lending procedures.
• By incorporating the risk management framework, the Bank can protect its assets and ensure the lending portfolio's quality meets the criteria for yield, quality, diversification, and risk while following the requirements for the lending process.
• Advises on creditworthiness for personal loans, including home mortgages, while upholding the Bank's credit risk standards and operating procedures.
• Functions as a key player within a collaborative and adaptive department and commercial unit.
• Engaging in probing activities to understand customer personal banking and credit card needs and seamlessly integrating marketing promotions and programs into customer discussions to deliver strategic recommendations.
• Organizes information pertaining to work tasks to verify its accuracy and completeness.
• Demonstrates a commitment to developing original strategies that ensure each customer's experience feels tailored to them.
• Aims to seek opportunities to be a part of the ongoing enhancement of overall consumer satisfaction.
• Contributes to the business's success and the level of satisfaction experienced by customers.
• In response to market needs, employees may be required to work at various branches or channels, leading to varying weekly schedules that include shifts, hours, and days worked.
• Ensures adherence to risk and compliance policies to protect customer assets, preserve their privacy, and act in their best interest.
• Stays informed about the larger financial services industry, the legal and regulatory framework, and our pledge to adhere to the utmost ethical standards of our sector.
• Utilizes knowledge of up-to-date personal banking products, practices, and trends to enrich conversations with customers.
• Observes and reports abnormal activity patterns that are believed to be associated with money laundering efforts.
• Upholds compliance with the legal and regulatory provisions of the region.
• Maintains the protection of the bank's assets by abiding by regulatory, legal, and ethical requirements.
• Tackles a variety of intricate assignments under given rules and limitations, which may include addressing escalations from other members of the team.
• Deliberates on concerns and decides on the subsequent actions to be implemented.
• Additional functions or accountabilities may be delegated as required.

Qualifications:

• Applicants with approximately 2 to 3 years of relevant work experience and a college degree in a related field are preferred, although an equivalent balance of education and experience is also acceptable.
• The completion of the registration process for selling investment products in Canada adheres to jurisdictional guidelines.
• Apt loan standards and credentials.
• Acquiring practical familiarity with the demands and solutions vital for personal and small business clientele.
• Acquainted with retail investment choices and credit facilities.
• Having experience in the financial sector can be advantageous.
• Experienced and proficient in utilizing social media platforms, tablets, smartphones, online tools, and applications.
• Experience in a consultative customer service or sales position, focused on delivering customized service to customers.
• Strong resolve to assist our customers with enthusiasm.
• Strive to provide a specialized customer interaction.
• Highlighting a results-driven attitude and thriving in a sales environment that values teamwork and consultation.
• Self-driven initiator with the confidence and fearlessness to interact with customers.
• Flexibility to work together and adapt to different responsibilities within a team.
• Expertise in establishing strong connections and understanding with individuals.
• Mastering the skills of listening attentively, solving problems, and responding with flexibility and creativity to unexpected situations.
• Specialized knowledge.
• Skills in oral and written communication
• Organization skills
• Successful collaboration relies on individuals' adeptness in utilizing their team skills to contribute effectively to the group's overall success
• Skill in breaking down problems and finding solutions

About Us:

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 maintains its commitment to offering equal job opportunities to all candidates. Evaluations are conducted without partiality towards race, religion, color, national origin, gender, sexual orientation, gender identity, transgender status, age, veteran status, disability, or any other protected characteristic. BMO follows legal guidelines regarding applicants with criminal backgrounds.

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