Lending Services Expert

1 week ago

Montreal, Quebec, Canada BMO Full time
Job Summary

We are seeking a highly skilled and experienced Private Banking Officer Credit to join our team at BMO. As a key member of our Wealth Sales & Service team, you will be responsible for providing exceptional customer service and portfolio management in lending services to our clients.

Key Responsibilities
  • Provide technical expertise for proactive credit analysis, structuring, decisions, and portfolio monitoring.
  • Apply lending expertise to a lending and deposit portfolio of accounts or part of the lending process (e.g. underwriting, funding, monitoring).
  • Assist in preparing new business proposals or presentations to clients/prospects.
  • Assist in preparing for client meetings and account opening documentation.
  • Identify and recommend workflow process alternatives that can lead to improved efficiency and service levels.
  • Perform client sales & service support activities as required to meet client needs and maintain overall service standards.
  • Determine client needs and ensure timely and accurate completion of transaction processing.
  • Provide after sales support and handle exceptions tactfully, accurately and efficiently in accordance with Bank policy.
  • Takes ownership of client inquiries/ concerns/ complaints, ensuring timely resolution and referring as appropriate.
  • Maintain detailed knowledge and understanding of the integrated private banking services and offerings and lending procedures.
  • Collaborate with internal and external stakeholders in order to deliver on business objectives.
  • Analyze data and information to provide insights and recommendations.
  • Execute set-up, maintenance, and advancement of lending products and related account administration as per guidelines.
  • Verify and process loan drawdowns, ensuring they are within the terms of the credit authorization and completion of required security documentation.
  • Review and action overdrafts and other monitoring reports in a timely manner.
  • Set up and complete margin / covenant tests within established timeframes.
  • Maintain control of security collateral including preparation and registration.
  • Identify, diarize, and monitor accounts for security renewals, registrations, and other expiry dates to meet compliance requirements.
  • Monitor and control the integrity of lending documentation.
  • Collect fees applicable to credit terms and conditions or account agreement.
  • Provide timely, accurate service and support to bankers and specialists by completing a wide variety of credit, non-credit, and related activities.
  • Identify, record and advise banker / relationship manager of any credit &/or risk management issues.
  • Identify 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.
  • Mitigate 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.
  • Identify and escalate irregularities and discrepancies to management as per guidelines.
  • Participate in assigned audits and compliance reviews.
  • Ensure proper adherence to the code of conduct and ethical guidelines.
  • Follow 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.
  • Protect 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.
  • Complete complex & diverse tasks within given rules/limits and may include handling escalations from other employees.
  • Analyze issues and determines next steps.
  • Broaden work or accountabilities may be assigned as needed.
Requirements
  • 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.
  • Bilingualism French and English.
  • Working knowledge of personal (primarily) and commercial credit and non-credit products and services.
  • Working knowledge of lending processes and supporting policies.
  • If a Credit Qualifiable job, Credit Qualifications and associated credit knowledge and skills according to the credit portfolio requirements and qualification standards.
  • Specialized knowledge.
  • Verbal & written communication skills - Good.
  • Organization skills - Good.
  • Collaboration & team skills - Good.
  • Analytical and problem solving skills - Good.
What We Offer

We offer a competitive salary range of $37,500.00 - $69,500.00 and a comprehensive benefits package, including health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans.

We are committed to an inclusive, equitable and accessible workplace. By learning from each other's differences, we gain strength through our people and our perspectives. Accommodations are available on request for candidates taking part in all aspects of the selection process.

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