Small Business Commercial Service Representative

Application Deadline:

06/29/2025

Address:

VIRTUAL(R)03 - HomeRes - AZ

Job Family Group:

Commercial Sales & Service

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, educa