Lending Specialist Level 1

4 months ago

Montréal, Canada BMO Financial Group Full time

1250 boul Rene Levesque Ouest Montreal Quebec,H3B 4W8

Provides a superior level of customer service and portfolio management in lending services for all existing and potential clients and in support of a team of specialists and relationship managers. Provides technical expertise for proactive credit analysis, structuring, decisions, and portfolio monitoring. Applies lending expertise to a lending and deposit portfolio of accounts or part of the lending process (e.g. underwriting, funding, monitoring).
- Identifies cross-selling opportunities to increase client penetration for banking products.
- Prepares new business proposals or presentations to clients/prospects.
- Participates in activities for client meetings and lending account opening documentation.
- Assists with the development of client communications as required.
- Identifies and recommends workflow process alternatives that can lead to improved efficiency and service levels.
- Ensures timely resolution of all client questions and concerns, both internal and external.
- Performs client sales & service support activities as required to meet client needs and maintain overall service standards.
- Determines client needs and ensures timely and accurate completion of transaction processing.
- Provides after sales support and handles exceptions tactfully, accurately and efficiently in accordance with Bank policy.
- Maintains detailed knowledge and understanding of the integrated private banking services and offerings and lending procedures.
- Collaborates with internal and external stakeholders in order to deliver on business objectives.
- Monitors and tracks performance, and addresses any issues.
- Designs and produces regular and ad-hoc reports, and dashboards.
- Analyzes data and information to provide insights and recommendations.
- Executes set-up, maintenance, and advancement of lending products and related account administration as per guidelines.
- Verifies and processes loan drawdowns, ensuring they are within the terms of the credit authorization and completion of required security documentation.
- Reviews and actions overdrafts and other monitoring reports in a timely manner.
- Sets up and completes margin / covenant tests within established timeframes.
- Maintains control of security collateral including preparation and registration.
- Identifies, diarizes, and monitors accounts for security renewals, registrations, and other expiry dates to meet compliance requirements.
- Monitors and controls the integrity of lending documentation.
- Collects fees applicable to credit terms and conditions or account agreement.
- Provides timely, accurate service and support to bankers and specialists by completing a wide variety of credit, non-credit, and related activities.
- Identifies, records and advises banker / relationship manager of any credit &/or risk management issues
- Identifies opportunities to increase profitability, create capacity and reduce expenses.
- Ensure timely and accurate set-up, maintenance and advance of lending products.
- May focus on either after sales service, or compliance (risk management) and fulfillment services, or both.
- Mitigates identified risks and makes credit recommendations/decisions in accordance with sound credit-granting principles and compliance with the Bank’s philosophy and principles outlined in corporate risk policy and supporting policies and procedures.
- Identifies and escalates irregularities and discrepancies to management as per guidelines.
- Participates in assigned audits and compliance reviews.
- Ensures proper adherence to the code of conduct and ethical guidelines.
- Follows security and safeguarding procedures and applies appropriate due diligence for the prevention of loss due to fraud, counterfeiting money laundering or defalcation in accordance with Bank policy.
- Protects the Bank’s assets by adhering to all banking, investment and lending regulations, policies, and procedures, legal and ethical requirements, process requirements, bank guidelines, and established risk guidelines.
- Focus may be on a business/group.
- Thinks creatively and proposes new solutions.
- Exercises judgment to identify, diagnose, and solve problems within given rules.
- Works mostly independently.
- Broader work or accountabilities may be assigned as needed.

**Qualifications**:

- Typically between 3 - 5 years of relevant experience and post-secondary degree in related field of study or an equivalent combination of education and experience.
- Requires Credit Qualification in accordance with the established credit qualification processes, policies, and procedures.
- In-depth knowledge of personal (primarily) and commercial credit and non-credit products and services.
- In-depth knowledge of lending processes and supporting policies.
- In-depth knowledge of loan documentation.
- Specialized knowledge from education and/or business experience.
- Verbal & written communication skills - In-depth.
- Collaboration

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