• 2381958
  • (Référence :1700003823)
  • Officer Credit

Description du poste

  • Consistently provide high quality lending portfolio management to Platinum Banking lenders with the objective of exceeding customer expectations. Maintain knowledge of BMO lending products, processes and documents and banking portfolio management. Recognizes opportunities for promoting the integrated offering and discusses potential referrals/new business opportunities with the Relationship Manager.

    A. Client & Relationship Management

    B. Administrative/Sales Support

    C. Team Participation

    D. Risk Management

    A. Client & Relationship Management
    Provide a superior level of courteous, knowledgeable, friendly and professional service to all BPB professionals relating to Platinum Banking credit services consistent with delivery of the desired client experience
    Maintain knowledge of BMO lending products, security policies and procedures, and provide assistance to Private Bankers and Lending Specialists in regards to loan documentation, administration, and set-up
    Take ownership of client inquiries/concerns/complaints, ensuring timely resolution
    Develop and maintain knowledge and understanding of integrated services and offerings, with a focus on banking products and procedures
    Perform credit related activities as required to meet client needs and maintain overall service standards

    B. Administrative/Sales Support
    Provide timely, accurate service and support to Private Bankers, Lending Specialists, and peers through the completion of credit (primarily) and non-credit related activities
    Ensure timely and accurate set-up, maintenance and advance of lending products
    Identify, diarize and monitor accounts for security renewals, registrations, overdrafts, and to meet compliance requirements
    Identify opportunities to increase profitability, create capacity and reduce expenses
    Recognize potential new business opportunities and refer/discuss them with the Relationship Manager (both within BPB and BMO as a whole)
    Provide after sales support and handle exceptions tactfully, accurately and efficiently in accordance with Bank policy

    C. Team Participation
    Participate in internal projects and initiatives of varying scope and responsibility
    Participate in team meetings and conference calls as applicable
    Take initiative, be accountable, and work in a team-orientated environment
    Cross trains with other individuals within support team to ensure coverage and contingency is maintained at all times. Shares knowledge with team members.

    D. Risk Management
    Ensure proper adherence to all aspects of First Principles Our Code of Conduct and Ethics
    Follow security and safeguarding procedures and apply 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 (as appropriate), Policies and Procedures, legal and ethical requirements, process requirements, bank guidelines and established risk guidelines
    Accountable to mitigate risks identified and make credit recommendations/decisions that are in accordance with sound credit-granting principles and in compliance with the Bank’s philosophy and principles outlined in Corporate Risk Policy as well as appropriate supporting Policies and Procedures
    Verify and process loan drawdowns, ensuring they are within the terms of the credit authorization and all security documentation is on hand
    Review and action overdraft and other monitoring reporting in a timely manner
    Set up and complete margin/covenant tests as applicable within established timeframes
    Maintain control of collateral security (incl. preparation and registration)
    Identify, diarize, and monitor accounts for security renewals, registrations and other expiry dates as applicable.
    Participate in audits and compliance reviews as assigned
    Accountable for monitoring and controlling the integrity of lending documentation
    Identify and escalate all irregularities and discrepancies to management.


    Knowledge and Skills


    Undergraduate diploma or equivalent industry experience
    Advanced knowledge of personal (primarily) and commercial credit and non-credit products and services
    Advanced knowledge of lending processes and supporting policies
    Working knowledge of mutual fund/investment products
    Working knowledge of BMO Investment Management & Trust products and services
    Banking industry experience (1-4 years)
    “Qualified Without Limits” required at a Working level

    Strong customer service focus
    Communication skills (Advanced)
    Able to multi-task
    Able to handle high pressure situations with tight turnaround
    Organization skills (Working)
    Advanced knowledge of computer applications (Word, Excel, Optimizer, and CCAPS)
    Ability to deal with complex, controversial, and sensitive Platinum Banking issues (Advanced)
    Open to change and acts as a change agent for new initiatives (Advanced)
    Demonstrated history of responsiveness and problem-solving capabilities
    Bilingual (French and English)

    Additional Accountabilities
    Support the Client Care/PBO Sales roles during peak periods and shortages (Working)
    Project support/coordination (Working)
    Conduct PBOC Training (Working)
    Proactively identify and recommend opportunities for process improvement, customer service and technology
    Mentor new employees (Working)

Description de l'entreprise

BMO Banque de Montréal, qui se classe parmi les premières institutions financières en Amérique du Nord, a été la première banque à s'établir au Canada. Depuis sa fondation, en 1817, elle a vu son actif passer à 230 milliard de dollars. Elle emploie aujourd'hui quelque 32 000 personnes au Canada, aux États-Unis et dans le monde.

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