Associate, Credit Service Group

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BMO U.S.

WebsiteLinkedInAll Job Openings

5001 - 10000 employees

🏦 Banking

💸 Finance

💳 Fintech

Banking • Finance • Fintech

BMO U. S. is a diversified financial services company operating in the United States. It offers a broad range of financial products and services including personal and business banking, mortgage services, investments, financial planning, insurance, and wealth management. Additionally, it provides commercial loans, commercial mortgages, and other financial solutions tailored for small businesses and large enterprises. The company places a strong emphasis on customer service and offers digital and cross-border banking solutions to meet the needs of diverse clients. BMO U. S. is also involved in asset management and capital markets operations, making it a full-service financial institution.

📋 Description

• 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 • Probes to understand customer needs and provides advice related to personal banking and borrowing strategies in the best interests of the customer • Manages all transactional outcomes of customer contacts or defers to appropriate internal business groups • Escalates complex or unresolved customer situations to managers as required • Performs any required documentation to ensure customer’s requests are accurately processed • Maintains current knowledge of personal banking and lending products, practices, and trends and integrates into customer conversations in a professional manner • May research and investigate lending applications, following established processes • Handles customer contacts in an informed, professional, and efficient manner • Integrates marketing promotions and programs into customer conversations, where appropriate • Maintains the confidentiality of customer and Bank information • Identifies and reports suspicious patterns of activity that are suspected to be related to money laundering • 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 • Makes credit decisions / recommendations in accordance with sound credit-granting principles and in compliance with Bank Policy & Procedures • Uses authorized credit qualifications as needed to fulfill customer requests • Completes complex & diverse tasks within given rules/limits • Analyzes issues and determines next steps; escalates as required

🎯 Requirements

• Typically between 1 – 2 years of relevant experience • Post-secondary degree in related field of study desirable or an equivalent combination of education and experience • Knowledge of personal lending and home financing products • Knowledge of competitive marketplace and trends in product offerings • Knowledge of contact centre operational processes and policies • Knowledge of call centre technology, processes, and metrics • Term Investment Qualified (as required) • Fluent in French and English

🏖️ Benefits

• Health insurance • Tuition reimbursement • Accident and life insurance • Retirement savings plans