Business Banking Relationship Manager

BMO•Modesto, CA

8d•$65,000 - $140,000

About The Position

The Business Banking Relationship Manager cultivates, builds, and manages relationships with a portfolio of small business clients to develop new business and increase BMO’s market share. The role uses consultative sales and business development practices to attract new clients, expand existing relationships, grow wallet share, and achieve customer retention objectives. The manager develops sales strategies and business plans, builds internal and external networks and referral sources, identifies cross-selling opportunities, and provides advice and financial solutions tailored to customers’ needs. The position delivers responsive customer service, answers questions about business banking products and services, resolves or escalates issues, and builds lasting, profitable client relationships. It also analyzes business and performance information, makes recommendations, supports operational and change initiatives, coordinates database management in line with data governance standards, and executes work accurately and efficiently. The role requires sound risk-informed decisions and adherence to security, confidentiality, regulatory, and other bank policies. Broader work or accountabilities may be assigned as needed.

Requirements

Typically 4–6 years of relevant experience and a post-secondary degree in a related field, 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 support business growth and mitigate risk.
Strong knowledge of business banking products, lending processes, loan documentation, and related 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 teamwork skills.
In-depth analytical and problem-solving skills.
In-depth influence skills.
In-depth data-driven decision-making skills.

Responsibilities

Develop and execute sales strategies to attract new business clients and expand existing client relationships.
Build 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 and relationship management plans to achieve customer retention objectives.
Identify prospective customers and cross-sell products and services suited to their needs.
Build client rapport, credibility, and trust as a relationship manager.
Understand the local market and develop relationships with centres of influence.
Provide responsive customer service, expertise, and support; answer inquiries about business banking products and services.
Develop long-term profitable relationships and expand wallet share within the assigned portfolio.
Understand customer needs and offer financial solutions that support customer goals.
Resolve or escalate customer and business issues.
Develop solutions and recommendations based on business strategy and stakeholder needs, and advise assigned business groups on implementation.
Analyze strategic problems and data 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 assessments, planning, stakeholder management, execution, evaluation, and sustainment.
Provide input into the planning and implementation of operational programs.
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.
Protect the confidentiality of customer and bank information in compliance with bank policies and procedures.
Identify risks and take appropriate actions, including completing documentation and regulatory requirements to maintain operational integrity.
Apply the Risk Management Framework and Risk Culture, making sound, risk-informed decisions within approved risk appetite and in accordance with applicable policies, laws, and regulations.
Perform other broader work or accountabilities as assigned.