What are the responsibilities and job description for the Retail Banking Professional position at BMO Financial?
At BMO Financial Group, we're driven by a shared purpose: Boldly Grow the Good in business and life. As a Retail Banking Professional, you'll play a key role in delivering exceptional service to our customers and prospects, identifying their needs, and providing advice and guidance on financial solutions that are in their best interests.
">This role requires a strong consultative customer service or sales background, with a drive to deliver a personal customer experience. You'll work collaboratively within the branch and with BMO partners to deliver the desired customer experience and achieve overall business objectives.
You'll have the opportunity to 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.
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.
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 branch customer experience.
Contributes to business results and the overall experience delivered in the branch. May work at multiple branches based on market needs; work schedule may differ from week to week in terms of days worked, hours, and shifts.
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.
Broad work or accountabilities may be assigned as needed.
