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Come join a culture that is about so much more than the bottom line. Be a part of a team that celebrates big ideas, supports your personal and professional growth, and makes a real impact in local communities. At BMO, you will enjoy work that makes a difference; help us live our Purpose: **To Boldly Grow the Good in Business and Life.**

Our Small Business Commercial Service Representative develops a high profile for BMO within an assigned territory to create an effective internal and external network for successful business banking client acquisition opportunities in compliance with internal controls and adherence to audit, regulatory, and compliance policies. Develops, implements, reviews, and revises short-term (3-12 months) and long-term (1-2 year) rolling sales strategies and tactical plans to identify profitable business prospects and create a network of referral sources for the assigned territory that meets or exceeds sales, service, revenue, share of wallet, and loyalty targets. Sells business banking products and comprehensive, holistic financial solutions, and identifies and initiates cross-sell opportunities in the best interest of the customer, and refers complex sales of financing, cash management, and personal banking products to appropriate partners.

+ Applies professional consultative sales and business development principles, practices, and techniques to identify, negotiate, and structure initial transactions within the Bank’s risk appetite.

+ Applies territory management, relationship selling, and expansion strategies to analyze performance against market potential.

+ Analyzes credit applications to confirm security valuations and completes and approves authorizations in compliance with the Bank’s business banking lending policy.

+ Responds to inquiries and resolves issues raised through audits and quality checks to ensure adequate documentation of lending and other decisions.

+ Reviews and monitors sales, revenue, and share of wallet performance against plan to identify gaps, develop action plans, and share best practices.

+ Exercises judgment to identify, diagnose, and solve problems within given rules.

+ Determines root cause for issues and identifies best possible solutions.

+ Ensures alignment between stakeholders.

+ Gathers and formats data into regular and ad-hoc reports and dashboards.

+ Follows security and safeguarding procedures and applies due diligence in accordance with Bank’s policies and ethical standards for the prevention of loss due to fraud, robbery, counterfeiting, money laundering, or defalcation.

+ Adheres to business banking lending processes, policies, procedures, legal, regulatory, audit, and ethical requirements.

+ Maintains the confidentiality of customer and Bank information in compliance with Bank policies and procedures.

+ Identifies risks and takes appropriate actions, including all documentation and other regulatory requirements to maintain operational integrity.

+ Participates in projects and other activities designed to improve the customer experience.

+ Liaises between clients and various departments across the organization to discuss issues and procedures, and provide product support and expertise.

+ 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. **Qualifications:**

+ Typically between 2 - 3 years of relevant experience and post-secondary degree in related field of study desirable or an equivalent combination of education and experience.

+ Advanced understanding of business banking products, lending process and directives, credit risk policies and standards, and supporting processes, and applicable regulatory requirements.

+ Good understanding of capital structures to identify referrals.

+ Strong knowledge of portfolio management and related credit qualification and adjudication standards, policies, and procedures.

+ Strong interpersonal, sales, customer service, and negotiation skills.

+ Specialized knowledge.

+ Verbal & written communication skills - Good.

+ Organization skills - Good.

+ Collaboration & team skills - Good.

+ Analytical and problem solving skills - Good.

Salary:

$41,715.00 - $63,700.00

Pay Type:

Salaried

The above represents BMO Financial Group’s pay range and type.

Salaries will vary based on factors such as location, skills, experience, education, and qualifications for the role, and may include a commission structure. Salaries for part-time roles will be pro-rated based on number of hours regularly worked. For commission roles, the salary listed above represents BMO Financial Group’s expected target for the first year in this position.

BMO Financial Group’s total compensation package will vary based on the pay type of the position and may include performance-based incentives, discretionary bonuses, as well as other perks and rewards. BMO also offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans. To view more details of our benefits, please visit: https://jobs.bmo.com/global/en/Total-Rewards

About Us

At BMO we are driven by a shared Purpose: Boldly Grow the Good in business and life. It calls on us to create lasting, positive change for our customers, our communities and our people. By working together, innovating and pushing boundaries, we transform lives and businesses, and power economic growth around the world.

As a member of the BMO team you are valued, respected and heard, and you have more ways to grow and make an impact. We strive to help you make an impact from day one – for yourself and our customers. We’ll support you with the tools and resources you need to reach new milestones, as you help our customers reach theirs. From in-depth training and coaching, to manager support and network-building opportunities, we’ll help you gain valuable experience, and broaden your skillset.

To find out more visit us at https://jobs.bmo.com/us/en

BMO is proud to be an equal employment opportunity employer. We evaluate applicants without regard to race, religion, color, national origin, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, transgender status, sexual stereotypes, age, status as a protected veteran, status as an individual with a disability, or any other legally protected characteristics. We also consider applicants with criminal histories, consistent with applicable federal, state and local law.

BMO is committed to working with and providing reasonable accommodations to individuals with disabilities. If you need a reasonable accommodation because of a disability for any part of the employment process, please send an e-mail to [email protected] and let us know the nature of your request and your contact information.

Note to Recruiters: BMO does not accept unsolicited resumes from any source other than directly from a candidate. Any unsolicited resumes sent to BMO, directly or indirectly, will be considered BMO property. BMO will not pay a fee for any placement resulting from the receipt of an unsolicited resume. A recruiting agency must first have a valid, written and fully executed agency agreement contract for service to submit resumes.