Business Banking Relationship Manager

BMO • Carmichael, CA

8d • $65,000 - $140,000

About The Position

Cultivates, builds, and manages relationships with a portfolio of small business clients to build a pipeline of new business and increase BMO’s market share. Applies professional consultative sales and business development practices for an assigned jurisdiction or portfolio, identifies opportunities, and refers clients to BMO colleagues as appropriate.

Develops and executes sales strategies, builds referral networks, generates appointments, and maintains business and relationship management plans to attract clients, expand existing relationships, and support retention. Delivers responsive customer service, understands client needs, provides information and financial solutions, and develops long-term profitable relationships while expanding wallet share.

Analyzes business and performance information, makes recommendations, monitors results, supports operational and change-management initiatives, and coordinates databases in accordance with data-governance standards. Applies security, confidentiality, due diligence, risk-management, regulatory, and ethical requirements to protect customers and the Bank. Works independently on complex tasks and may receive broader accountabilities as needed.

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 interpreting financial statements, assessing creditworthiness, and providing 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

• Develop and execute strategies to attract new business clients and expand existing relationships.
• Develop internal and external networks and referral sources to support business growth.
• Generate appointments and opportunities through targeted sales efforts.
• Maintain and execute business plans and relationship 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 responsive customer service, answer inquiries about business banking products and services, and provide financial solutions aligned with customer goals.
• Resolve or escalate customer issues.
• Develop solutions and recommendations based on business strategy and stakeholder needs, and advise assigned business or group on implementation.
• Analyze data and strategic problems, provide insights and recommendations, monitor 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 operational program planning and implementation; support the development and promotion of a business or group program.
• Execute work to deliver timely, accurate, and efficient service.
• Follow security and safeguarding procedures and conduct due diligence to prevent losses from fraud, robbery, counterfeiting, money laundering, or defalcation.
• Maintain confidentiality of customer and Bank information in compliance with policies and procedures.
• Identify risks and take appropriate actions, including completing documentation and regulatory requirements to maintain operational integrity.
• Apply the Bank’s Risk Management Framework and make sound, risk-informed decisions consistent with strategy, approved risk appetite, policies, laws, and regulations.

Benefits

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

What This Job Offers

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