Business Banking Relationship Manager

Bank of Montreal • Los Gatos, CA

12d • $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. Applies consultative sales and business-development practices within an assigned jurisdiction or portfolio, identifies and refers opportunities to colleagues, and develops strategies to attract new clients and expand existing relationships. Builds internal and external networks and referral sources, generates sales opportunities, and maintains a business plan and relationship-management strategies to support customer retention and growth.

Develops client rapport and credibility, understands local markets and customer needs, and provides responsive service, product information, advice, and financial solutions. Maintains profitable relationships and expands wallet share by identifying prospective customers and cross-selling relevant products and services. Resolves or escalates issues and makes recommendations based on business strategy and stakeholder needs.

Analyzes performance and data, monitors results, coordinates databases in accordance with data-governance standards, and contributes to operational and change-management initiatives. Follows security, confidentiality, risk-management, and regulatory requirements to maintain operational integrity and protect the Bank. Works independently on complex tasks, exercises judgment within established rules, and may take on broader responsibilities as needed.

Requirements

• Typically 4–6 years of relevant experience.
• Post-secondary degree in a related field or an equivalent combination of education and experience.
• Strong financial analysis skills, including interpreting financial statements, assessing creditworthiness, and providing actionable insights to support 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

• Build and manage relationships with a portfolio of small business clients to develop new business, increase market share, retain customers, and grow wallet share.
• Develop and execute sales strategies and a business plan for attracting new clients and expanding existing relationships.
• Build internal and external networks and referral sources, including relationships with local centres of influence.
• Generate appointments and sales opportunities through targeted efforts; identify prospective customers and cross-sell products and services that meet their needs.
• Build client rapport and trust by providing expertise, responsive service, support, and accurate information about business banking products and services.
• Understand customer goals and needs and offer appropriate financial solutions; resolve or escalate issues.
• Develop recommendations and provide advice and guidance based on business strategy and stakeholder needs.
• Analyze data and information, monitor performance, identify issues, and provide insights and recommendations.
• 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 activities.
• Provide input into operational program planning and implementation, and support the development and promotion of business/group programs.
• Execute work accurately, efficiently, and on time.
• Follow security and safeguarding procedures, maintain confidentiality, and apply due diligence to prevent fraud, robbery, counterfeiting, money laundering, or defalcation.
• Identify risks and take appropriate action, including completing required documentation and meeting regulatory requirements.
• Apply the Bank’s Risk Management Framework and make sound, risk-informed decisions consistent with business strategy, policies, laws, and regulations.

Benefits

• Health insurance
• Tuition reimbursement
• Accident insurance
• Life insurance
• Retirement savings plans
• Performance-based incentives and discretionary bonuses may be included in total compensation, depending on position pay type.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level