Retail Relationship Banker
for section headings: About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule.
We must include sections only when posting has real specific content. We have content for responsibilities (the long description). Qualifications: there is a "Qualifications:" section. Skills: there are bullet-like statements about skills (Verbal & written communication skills - Good etc). Benefits: there is mention of health insurance, tuition reimbursement, accident and life insurance, retirement savings plans. Pay: salary range given. Schedule: mention "May work at multiple branches ... work schedule may differ from week to week in terms of days worked, hours, and shifts." That's schedule info.
We must not repeat job title as heading. No Job ID etc. Remove boilerplate: EEO, legal, etc. Also remove application instructions, navigation, cookie, etc. Also remove "About Us" maybe? It's not required as a heading; but we could include as part of About the role? The instruction: Use headings for section headings (e.g. About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule). So we should have About the role (maybe a brief summary). Responsibilities (the duties). Requirements? The posting has "Qualifications:" which could be considered Requirements. But we also have a separate Qualifications heading. The list includes both Requirements and Qualifications. We need to decide: The posting has "Qualifications:" with bullet points. There's also maybe "Requirements" not explicit. Could treat Qualifications as Requirements? But we have both headings allowed. We could put Requirements as maybe the experience/education needed, and Qualifications as specialized knowledge/skills? However the posting lumps them together. To avoid thin sections, we could combine into Qualifications and skip Requirements if not distinct. But we need to follow instruction: include a section ONLY when posting has real, specific content for it. If we don't have distinct Requirements separate from Qualifications, we could omit Requirements heading. Similarly Skills: we have skill ratings. So we can include Skills.
Thus sections: About the role (summary paragraph), Responsibilities (list of duties), Qualifications (education/experience etc), Skills (skill ratings), Benefits (health insurance etc), Pay (salary range), Schedule (work schedule variability).
We must use for each section heading. Use - for any list of duties/requirements/benefits. Use
for prose.
We must preserve all substantive information, not invent or summarize away detail. So we need to include all details from the posting within those sections, but we can format as lists.
We need to be careful not to omit any substantive info. Let's extract.
First, About the role: Could be first sentence(s) that describe role: "Delivers exceptional service to BMO customers and prospects. Identifies customer needs and provides advice and guidance regarding financial solutions that are in the best interests of customers. Works collaboratively within the branch and through various channels with BMO partners to deliver the desired customer experience and achieve overall business objectives. Takes a lead in proactively engaging with existing customers and prospects by providing needs-based assessments to grow loyalty and identify immediate / future opportunities."
We could put that as prose in About the role.
Responsibilities: The rest of duties: many sentences. We'll break into list items each duty.
Let's parse responsibilities sentences:
- Engages customers to complete needs assessments that identify financial solutions and preferred banking channels while recommending tailored solutions addressing both sales and service needs (e.g. everyday banking, retail investments, lending solutions, home financing (including business-for-self applications)), and small business solutions).
- Offers clients advice and guidance on available digital and self-serve options with the goal of making banking easy, simple, and fast.
- Supports customer transactions needs based on customer traffic.
- Engages customers to grow BMO’s business by reaching out, generating appointments, and building new relationships within the community.
- Addresses questions and resolves issues raised through consumer credit audits and quality checks to ensure accurate data entry and lending application recommendations in compliance with legal and regulatory requirements and lending policies and processes.
- Applies the risk management framework to the portfolio to protect the Bank's assets and maintain the quality of the lending portfolio in compliance with requirements for the lending process and established yield, quality, diversification, and risk guidelines.
- Makes credit recommendations for personal lending transactions, including home financing, in accordance with sound credit granting principles and with the Bank’s policies and procedures.
- Acts as a key member of a collaborative and versatile branch and market team.
- Probes to understand customer personal banking and credit card needs and integrates marketing promotions and programs into customer conversations to provide strategic advice.
- Organizes work information to ensure accuracy and completeness.
- Takes the initiative to find creative approaches that make each customer’s experience feel personal.
- Looks for ways to contribute to the ongoing improvement of the overall customer experience.
- Contributes to business results and the overall experience delivered.
- May work at multiple branches or through various channels based on market needs; work schedule may differ from week to week in terms of days worked, hours, and shifts. (This could go to Schedule but also responsibilities)
- Follows through on risk and compliance processes and policies to ensure we safeguard our customers’ assets, maintain their privacy, and act in their best interest.
- Keeps current with the wider financial services marketplace, the legal and regulatory environment, and our commitment to uphold the highest ethical requirements of our industry.
- Maintains current knowledge of personal banking products, practices, and trends and integrates into customer conversations.
- Identifies and reports suspicious patterns of activity that are suspected to be related to money laundering.
- Complies with legal and regulatory requirements for the jurisdiction.
- Protects the Bank's assets in compliance with all regulatory, legal, and ethical requirements.
- 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.
- Take measured risks while protecting the bank by applying our Risk Management Framework in the execution of your role, in line with our Risk Culture and within our approved Risk Appetite, making sound and risk informed decisions that align to business strategy, protect assets, and adhere to applicable policy documents (Frameworks, Policies, Standards, Procedures and Supporting documents), laws and regulations.
That's a lot. We'll list each as
- .
Qualifications: The section after "Qualifications:" includes:
"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.
Canada only: Registration to sell investment products completed - as appropriate for the jurisdiction.
Appropriate lending qualifications and designations.
Working knowledge of personal and small business customer needs and solutions.
Working knowledge of retail investments and lending products.
Experience in financial services is an asset.
Confident and experienced in the use of social media, tablets, Smart phones, online tools, and applications.
Experience in a consultative customer service or sales role, with a drive to deliver a personal customer experience.
Passionate commitment to helping our customers.
Drive to deliver a personal customer experience.
A focus on results and the ability to thrive in a consultative sales and team-based environment.
Resourceful self-starter with courage and confidence to approach customers.
Readiness to collaborate and work in different capacities as part of a team.
Strong interpersonal skills, including the ability to build rapport and connections with customers.
An aptitude for listening, solving problems, and responding flexibly and creatively to new challenges.
Specialized knowledge.
Verbal & written communication skills - Good.
Organization skills - Good.
Collaboration & team skills - Good.
Analytical and problem solving skills - Good.
U.S. Only: This position will act as an originator of consumer loans as defined by Regulation Z, Regulation G, and the Secure and Fair Enforcement for Mortgage Licensing Act (the S.A.F.E. Act). This position will require a Federal registration with the Nationwide Mortgage Licensing System and Registry. The Bank will instruct you on the registration requirements needed to comply with this requirement. A criminal background review and credit history evaluation will be required for this position as well as restrictions on performing in a real estate agent capacity."
We need to keep all that. Some of those are skill ratings; but we have a Skills section for skill ratings. We could separate skill ratings into Skills section, and keep the rest in Qualifications.
Thus Qualifications: experience, education, registrations, lending qualifications, working knowledge, experience in financial services asset, confident use of tech, consultative experience, passion, drive, focus on results, resourceful self-starter, readiness to collaborate, strong interpersonal skills, aptitude for listening etc, specialized knowledge. Also US-only specifics.
Skills: Verbal & written communication skills - Good, Organization skills - Good, Collaboration & team skills - Good, Analytical and problem solving skills - Good.
Benefits: "BMO also offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans." Also maybe mention total compensation package includes performance-based incentives, discretionary bonuses, other perks and rewards. That's also benefits. We'll include.
Pay: Salary range $41,500.00 - $65,500.00 Pay Type: Salaried plus note about variation, commission structure, pro-rated etc. We'll include all that.
Schedule: "May work at multiple branches or through various channels based on market needs; work schedule may differ from week to week in terms of days worked, hours, and shifts."
We must not include boilerplate like EEO, About Us, etc. Also remove navigation, cookie, legal, etc. Also remove "About Us" section and "BMO is proud to be an equal employment opportunity employer..." etc. Also remove "Note to Recruiters:" etc.
Now produce HTML fragment.
We'll structure:
About the role
... (prose)
Responsibilities
- ...
...
Qualifications
- ...
...
Skills
- Verbal & written communication skills - Good
- Organization skills - Good
- Collaboration & team skills - Good
- Analytical and problem solving skills - Good
Benefits
- Health insurance
- Tuition reimbursement
- Accident and life insurance
- Retirement savings plans
- Performance-based incentives
- Discretionary bonuses
- Other perks and rewards
Pay
Salary range: $41,500.00 - $65,500.00 (Salaried). 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.
Schedule
May work at multiple branches or through various channels based on market needs; work schedule may differ from week to week in terms of days worked, hours, and shifts.
We need to ensure we didn't miss any substantive info from responsibilities list. Let's copy each responsibility sentence as list item.
Let's list them precisely:
1. Delivers exceptional service to BMO customers and prospects. (Actually that's part of About the role; but we could keep it there.)
2. Identifies customer needs and provides advice and guidance regarding financial solutions that are in the best interests of customers.
3. Works collaboratively within the branch and through various
- for any list of duties/requirements/benefits. Use
for prose. We must preserve all substantive information, not invent or summarize away detail. So we need to include all details from the posting within those sections, but we can format as lists. We need to be careful not to omit any substantive info. Let's extract. First, About the role: Could be first sentence(s) that describe role: "Delivers exceptional service to BMO customers and prospects. Identifies customer needs and provides advice and guidance regarding financial solutions that are in the best interests of customers. Works collaboratively within the branch and through various channels with BMO partners to deliver the desired customer experience and achieve overall business objectives. Takes a lead in proactively engaging with existing customers and prospects by providing needs-based assessments to grow loyalty and identify immediate / future opportunities." We could put that as prose in About the role. Responsibilities: The rest of duties: many sentences. We'll break into list items each duty. Let's parse responsibilities sentences: - Engages customers to complete needs assessments that identify financial solutions and preferred banking channels while recommending tailored solutions addressing both sales and service needs (e.g. everyday banking, retail investments, lending solutions, home financing (including business-for-self applications)), and small business solutions). - Offers clients advice and guidance on available digital and self-serve options with the goal of making banking easy, simple, and fast. - Supports customer transactions needs based on customer traffic. - Engages customers to grow BMO’s business by reaching out, generating appointments, and building new relationships within the community. - Addresses questions and resolves issues raised through consumer credit audits and quality checks to ensure accurate data entry and lending application recommendations in compliance with legal and regulatory requirements and lending policies and processes. - Applies the risk management framework to the portfolio to protect the Bank's assets and maintain the quality of the lending portfolio in compliance with requirements for the lending process and established yield, quality, diversification, and risk guidelines. - Makes credit recommendations for personal lending transactions, including home financing, in accordance with sound credit granting principles and with the Bank’s policies and procedures. - Acts as a key member of a collaborative and versatile branch and market team. - Probes to understand customer personal banking and credit card needs and integrates marketing promotions and programs into customer conversations to provide strategic advice. - Organizes work information to ensure accuracy and completeness. - Takes the initiative to find creative approaches that make each customer’s experience feel personal. - Looks for ways to contribute to the ongoing improvement of the overall customer experience. - Contributes to business results and the overall experience delivered. - May work at multiple branches or through various channels based on market needs; work schedule may differ from week to week in terms of days worked, hours, and shifts. (This could go to Schedule but also responsibilities) - Follows through on risk and compliance processes and policies to ensure we safeguard our customers’ assets, maintain their privacy, and act in their best interest. - Keeps current with the wider financial services marketplace, the legal and regulatory environment, and our commitment to uphold the highest ethical requirements of our industry. - Maintains current knowledge of personal banking products, practices, and trends and integrates into customer conversations. - Identifies and reports suspicious patterns of activity that are suspected to be related to money laundering. - Complies with legal and regulatory requirements for the jurisdiction. - Protects the Bank's assets in compliance with all regulatory, legal, and ethical requirements. - 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. - Take measured risks while protecting the bank by applying our Risk Management Framework in the execution of your role, in line with our Risk Culture and within our approved Risk Appetite, making sound and risk informed decisions that align to business strategy, protect assets, and adhere to applicable policy documents (Frameworks, Policies, Standards, Procedures and Supporting documents), laws and regulations. That's a lot. We'll list each as
- .
Qualifications: The section after "Qualifications:" includes:
"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.
Canada only: Registration to sell investment products completed - as appropriate for the jurisdiction.
Appropriate lending qualifications and designations.
Working knowledge of personal and small business customer needs and solutions.
Working knowledge of retail investments and lending products.
Experience in financial services is an asset.
Confident and experienced in the use of social media, tablets, Smart phones, online tools, and applications.
Experience in a consultative customer service or sales role, with a drive to deliver a personal customer experience.
Passionate commitment to helping our customers.
Drive to deliver a personal customer experience.
A focus on results and the ability to thrive in a consultative sales and team-based environment.
Resourceful self-starter with courage and confidence to approach customers.
Readiness to collaborate and work in different capacities as part of a team.
Strong interpersonal skills, including the ability to build rapport and connections with customers.
An aptitude for listening, solving problems, and responding flexibly and creatively to new challenges.
Specialized knowledge.
Verbal & written communication skills - Good.
Organization skills - Good.
Collaboration & team skills - Good.
Analytical and problem solving skills - Good.
U.S. Only: This position will act as an originator of consumer loans as defined by Regulation Z, Regulation G, and the Secure and Fair Enforcement for Mortgage Licensing Act (the S.A.F.E. Act). This position will require a Federal registration with the Nationwide Mortgage Licensing System and Registry. The Bank will instruct you on the registration requirements needed to comply with this requirement. A criminal background review and credit history evaluation will be required for this position as well as restrictions on performing in a real estate agent capacity."
We need to keep all that. Some of those are skill ratings; but we have a Skills section for skill ratings. We could separate skill ratings into Skills section, and keep the rest in Qualifications.
Thus Qualifications: experience, education, registrations, lending qualifications, working knowledge, experience in financial services asset, confident use of tech, consultative experience, passion, drive, focus on results, resourceful self-starter, readiness to collaborate, strong interpersonal skills, aptitude for listening etc, specialized knowledge. Also US-only specifics.
Skills: Verbal & written communication skills - Good, Organization skills - Good, Collaboration & team skills - Good, Analytical and problem solving skills - Good.
Benefits: "BMO also offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans." Also maybe mention total compensation package includes performance-based incentives, discretionary bonuses, other perks and rewards. That's also benefits. We'll include.
Pay: Salary range $41,500.00 - $65,500.00 Pay Type: Salaried plus note about variation, commission structure, pro-rated etc. We'll include all that.
Schedule: "May work at multiple branches or through various channels based on market needs; work schedule may differ from week to week in terms of days worked, hours, and shifts."
We must not include boilerplate like EEO, About Us, etc. Also remove navigation, cookie, legal, etc. Also remove "About Us" section and "BMO is proud to be an equal employment opportunity employer..." etc. Also remove "Note to Recruiters:" etc.
Now produce HTML fragment.
We'll structure:
About the role
... (prose)
Responsibilities
- ... ...
Qualifications
- ... ...
Skills
- Verbal & written communication skills - Good
- Organization skills - Good
- Collaboration & team skills - Good
- Analytical and problem solving skills - Good
Benefits
- Health insurance
- Tuition reimbursement
- Accident and life insurance
- Retirement savings plans
- Performance-based incentives
- Discretionary bonuses
- Other perks and rewards
Pay
Salary range: $41,500.00 - $65,500.00 (Salaried). 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.
Schedule
May work at multiple branches or through various channels based on market needs; work schedule may differ from week to week in terms of days worked, hours, and shifts.
We need to ensure we didn't miss any substantive info from responsibilities list. Let's copy each responsibility sentence as list item. Let's list them precisely: 1. Delivers exceptional service to BMO customers and prospects. (Actually that's part of About the role; but we could keep it there.) 2. Identifies customer needs and provides advice and guidance regarding financial solutions that are in the best interests of customers. 3. Works collaboratively within the branch and through various