Business Banking Relationship Manager

BMO • San Francisco, CA

3d • $65,000 - $140,000

About The Position

Cultivates, builds, and manages relationships with a portfolio of small business clients to develop new business and increase BMO’s market share. Uses consultative sales and business development practices to identify opportunities, attract new clients, expand existing relationships, and refer clients to BMO colleagues as appropriate. The role develops and executes sales and relationship-management strategies, builds internal and external networks and referral sources, and works to achieve growth and customer-retention objectives.

The Relationship Manager delivers responsive customer service and business banking expertise, identifies client needs, and recommends financial solutions. Responsibilities also include analyzing business and performance information, advising internal stakeholders, coordinating data and operational programs, and participating in change management activities. The role follows applicable security, confidentiality, risk-management, regulatory, and ethical requirements while making sound, risk-informed decisions.

Requirements

• Typically 4–6 years of relevant experience.
• A post-secondary degree in a related field of study, or an equivalent combination of education and experience.
• Strong financial analysis skills, including the ability to interpret financial statements, assess creditworthiness, and provide actionable insights to drive growth and mitigate risk.
• Strong knowledge of business banking products, lending processes, loan documentation, and supporting policies, procedures, and technologies.
• Strong experience in customer sales and service.
• Technical proficiency gained through education and/or business experience.
• In-depth verbal and written communication skills.
• In-depth collaboration and team skills.
• In-depth analytical and problem-solving skills.
• In-depth influence skills.
• In-depth data-driven decision-making skills.

Responsibilities

• Cultivate, build, and manage relationships with a portfolio of small business clients to develop new business and increase BMO’s market share.
• Proactively develop and execute sales strategies to attract new business clients and expand existing relationships.
• Develop internal and external networks and referral sources to support ongoing business growth.
• Generate appointments and opportunities through targeted sales efforts.
• Develop, maintain, and execute business plans and relationship-management strategies to achieve customer-retention objectives.
• Identify prospective customers and cross-sell products and services that meet their needs.
• Build client rapport, credibility, and trust as a relationship manager.
• Understand the local market and develop relationships with centres of influence.
• Deliver exceptional customer service through expertise, responsive service, and support.
• Develop and maintain profitable long-term relationships and expand wallet share within the assigned portfolio.
• Answer inquiries and provide accurate information about business banking products and services.
• Understand customer needs and offer financial solutions aligned with customer goals.
• Resolve or escalate customer issues.
• Develop solutions and recommendations based on business strategy and stakeholder needs.
• Provide advice and guidance to the assigned business or group on implementing solutions.
• Break down strategic problems and analyze data and information to provide insights and recommendations.
• Monitor and track performance and address issues.
• Coordinate database management and ensure data alignment and integration in accordance with data-governance standards.
• Build change-management plans and lead or participate in readiness assessment, planning, stakeholder management, execution, evaluation, and sustainment activities.
• Provide input into operational program planning and implementation.
• Execute work to deliver timely, accurate, and efficient service.
• Support the development and promotion of a business or group program.
• Follow security and safeguarding procedures and apply due diligence to prevent losses from fraud, robbery, counterfeiting, money laundering, or defalcation.
• Maintain the confidentiality of customer and Bank information in compliance with Bank policies and procedures.
• Identify risks and take appropriate actions, including completing documentation and meeting regulatory requirements, to maintain operational integrity.
• Apply the Risk Management Framework and make sound, risk-informed decisions aligned with business strategy, approved risk appetite, policies, laws, and regulations.
• Work independently on complex tasks, using judgment to identify, diagnose, and solve problems within established rules.
• Undertake broader work or accountabilities as assigned.

Benefits

• Health insurance
• Tuition reimbursement
• Accident and life insurance
• Retirement savings plans
• Performance-based incentives, discretionary bonuses, perks, and rewards may be included in the total compensation package.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: Associate degree