Personal Banker

About This Role

This role focuses on delivering exceptional service to BMO customers and prospects, identifying their financial needs, and providing tailored advice. It involves working collaboratively within the branch and with BMO partners to achieve business objectives and enhance the customer experience.

Responsibilities

• Deliver exceptional service to BMO customers and prospects
• Identify customer needs and provide advice and guidance on financial solutions
• Work collaboratively within the branch and with BMO partners to deliver the desired customer experience and achieve business objectives
• Proactively engage with existing customers and prospects by providing needs-based assessments to grow loyalty and identify opportunities
• Engage customers to complete needs assessments that identify financial solutions and preferred banking channels
• Recommend tailored solutions addressing sales and service needs (e.g., everyday banking, retail investments, lending solutions, home financing, small business solutions)
• Offer clients advice and guidance on available digital and self-serve options
• Support customer transaction 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
• Ensure accurate data entry and lending application recommendations in compliance with legal and regulatory requirements and lending policies
• Apply the risk management framework to the portfolio to protect the Bank's assets and maintain the quality of the lending portfolio
• Make credit recommendations for personal lending transactions, including home financing, in accordance with sound credit granting principles and Bank policies
• Act as a key member of a collaborative and versatile branch and market team
• Probe to understand customer personal banking and credit card needs
• Integrate marketing promotions and programs into customer conversations to provide strategic advice
• Organize work information to ensure accuracy and completeness
• Take the initiative to find creative approaches that make each customer’s experience feel personal
• Look for ways to contribute to the ongoing improvement of the overall customer experience
• Contribute to business results and the overall experience delivered
• Follow through on risk and compliance processes and policies to safeguard customer assets, maintain privacy, and act in their best interest
• Keep current with the wider financial services marketplace, the legal and regulatory environment, and ethical requirements