Business Banking Relationship Manager

Bank of Montreal • Folsom, CA

6d

About The Position

The Business Banking Relationship Manager cultivates, builds, and manages relationships with a portfolio of small business clients to generate new business, increase market share, and expand existing relationships. The role uses consultative sales and business development practices to identify prospective customers, build referral networks, understand local markets, and recommend business banking products and financial solutions that meet customer needs. The manager provides responsive service, develops client trust, manages retention, and grows profitable relationships and wallet share.

The role also analyzes business and customer information, monitors performance, resolves or escalates issues, and provides recommendations and guidance to internal business groups. It supports operational and change-management activities, delivers accurate and efficient service, and follows the Bank’s risk, security, confidentiality, regulatory, and ethical requirements. The position works independently on complex tasks and may take on broader responsibilities as assigned.

Requirements

• Typically 4–6 years of relevant experience.
• 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 support 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 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 and increase market share.
• Develop and execute sales strategies to attract new clients and expand existing relationships.
• Identify prospective customers, generate appointments, cross-sell products and services, and refer opportunities to BMO colleagues as appropriate.
• Develop internal and external networks, referral sources, and relationships with local centres of influence.
• Create and execute business and relationship-management plans to achieve growth and customer-retention objectives.
• Build client rapport, provide expertise and responsive service, answer product and service inquiries, and recommend financial solutions that address customer goals.
• Maintain long-term profitable client relationships and expand wallet share within the assigned portfolio.
• Resolve customer issues or escalate them as appropriate.
• Develop solutions and recommendations based on business strategy and stakeholder needs, and advise assigned business groups on implementation.
• Analyze data and information, monitor and track performance, and address issues with recommendations and insights.
• 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 operational program planning and implementation, and support development and promotion of business or group programs.
• Execute work to deliver timely, accurate, and efficient service.
• Follow security and safeguarding procedures and apply due diligence to help prevent fraud, robbery, counterfeiting, money laundering, or defalcation.
• Protect the confidentiality of customer and Bank information and identify risks, taking appropriate action and completing required documentation and regulatory steps.
• Apply the Bank’s Risk Management Framework and make sound, risk-informed decisions consistent with business strategy, approved risk appetite, policies, laws, and regulations.

Benefits

• Health insurance
• Tuition reimbursement
• Accident and life insurance
• Retirement savings plans
• The total compensation package may include performance-based incentives, discretionary bonuses, and other perks and rewards.
• Training and coaching, manager support, and network-building opportunities.

What This Job Offers

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