Bilingual Personal Lending Advisor

BMO; Newfoundland and Labrador; On-site; CAD 41,000 - 80,000; Full time

Benefits offered by this job

Health insurance

Tuition reimbursement

Retirement savings plans

Accident and life insurance

Job summary

BMO Financial Group in Canada is hiring for a role handling credit and lending-related sales and service. You will advise on borrowing strategies and ensure customer objectives are met, following approved procedures and regulatory requirements.

Responsibilities include identifying referrals, handling customer interactions across channels, and maintaining product knowledge to support conversations and decisions.

Qualifications

• Typically 2–3 years of relevant experience and a post-secondary degree in related field 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).
• Specialized knowledge.
• Verbal & written communication skills - Good.
• Organization skills - Good.
• Collaboration & team skills - Good.
• Analytical and problem solving skills - Good.

Responsibilities

• 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.
• May provide training and coaching to junior associates as needed.
• 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 and may include handling escalations from other employees.
• Analyzes issues and determines next steps.
• Broader work or accountabilities may be assigned as needed.
• Take measured risks while protecting the bank by applying our Risk Management Framework in the execution of your role, in line with our Risk Culture and within our approved Risk Appetite, making sound and risk informed decisions that align to business strategy, protect assets, and adhere to applicable policy documents (Frameworks, Policies, Standards, Procedures and Supporting documents), laws and regulations.

Skills

Personal banking knowledge

Lending knowledge

Analytical skills

Communication skills

Compliance awareness

Education

Post-secondary degree in related field desirable

Job description

BMO Financial Group in Canada is hiring for a role handling credit and lending-related sales and service. You will advise on borrowing strategies and ensure customer objectives are met, following approved procedures and regulatory requirements.

Responsibilities include identifying referrals, handling customer interactions across channels, and maintaining product knowledge to support conversations and decisions.