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 (e.g.
everyday banking, retail investments, lending solutions, home financing (including business-for-self applications)), and small business solutions).
Offers clients advice and guidance on available digital and self-serve options with the goal of making banking easy, simple, and fast.
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.
May work at multiple branches or through various channels 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.
Escalates complex or unresolved customer situations to managers as required.
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.
系统翻译:
通过提供基于需求的评估来提高忠诚度并识别当前/未来的机会,带头主动与现有客户和潜在客户互动。
让客户完成需求评估,确定金融解决方案和首选银行渠道,同时推荐针对这两个问题的定制解决方案销售和服务需求(例如
日常银行业务、零售投资、贷款解决方案、家庭融资(包括自营业务应用程序)和小型企业解决方案)。
为客户提供有关可用数字和自助服务的建议和指导- 提供服务选项,目标是让银行业务变得简单、简单和快捷。
根据客户流量支持客户交易需求。
通过主动联系、生成预约以及在 BMO 内部建立新的关系,吸引客户来发展 BMO 的业务。社区。
解决通过消费者信用审计和质量检查提出的问题,以确保准确的数据输入和贷款申请建议符合法律和监管要求以及贷款政策和流程。
将风险管理框架应用于投资组合,以保护银行的资产并根据贷款流程的要求以及既定的收益率、质量、多元化和风险准则维持贷款组合的质量。
为个人贷款交易(包括住房融资)提供信贷建议遵循健全的授信原则以及银行的政策和程序。
作为协作、多功能的分行和市场团队的关键成员。
探究了解客户个人银行和信用卡需求,并将营销促销和将计划融入客户对话中,以提供战略建议。
组织工作信息,确保准确性和完整性。
主动寻找创造性方法,使每位客户的体验感觉个性化。
寻找为持续发展做出贡献的方法改善整体客户体验。
有助于业务成果和交付的整体体验。
可以根据市场需求在多个分支机构或通过各种渠道工作;
工作时间表可能每周有所不同工作天数、时间和轮班。
遵循风险与合规流程和政策,以确保我们保护客户的资产、维护他们的隐私并以他们的最佳利益行事。
与更广泛的财务保持同步服务市场、法律和监管环境以及我们对维护行业最高道德要求的承诺。
掌握个人银行产品、实践和趋势的最新知识,并融入客户对话中。
识别并报告可疑行为涉嫌与洗钱相关的活动模式。
遵守司法管辖区的法律和监管要求。
按照所有监管、法律和道德要求保护银行的资产。
升级复杂性根据需要向经理报告或未解决的客户情况。
在给定的规则/限制内完成复杂且多样化的任务,并可能包括处理其他员工的升级。
分析问题并确定后续步骤。
可能需要更广泛的工作或责任根据需要分配。
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.
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.
系统翻译:
通常需要 2
– 3 年的相关经验和相关研究领域的大专学位,或同等的教育和经验组合。
已完成销售投资产品的注册
– 根据司法管辖区的情况.
适当的贷款资格和称号。
个人和小型企业客户需求和解决方案的工作知识。
零售投资和贷款产品的工作知识。
金融服务经验是一项资产。
在使用社交媒体、平板电脑、智能手机、在线工具和应用程序方面充满信心且经验丰富。
拥有咨询客户服务或销售职位的经验,并致力于提供个人客户体验。
充满热情的承诺帮助我们的客户。
努力提供个性化的客户体验。
注重结果以及在咨询式销售和基于团队的环境中蓬勃发展的能力。
足智多谋的自我启动者,有勇气和信心接近客户。
愿意作为团队的一部分进行协作和以不同的身份工作。
强大的人际交往能力,包括与客户建立融洽关系和联系的能力。
善于倾听、解决问题和解决问题灵活、创造性地应对新挑战。
专业知识。
口头和书面沟通技巧
– 良好。
组织技能
– 良好。
协作和团队技能
-好。
分析和解决问题的能力
– 好。