Business Banking Relationship Manager

BMO•Walnut Creek, CA

13d•$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 for an assigned jurisdiction or portfolio, identifies opportunities, and refers clients to BMO colleagues as appropriate. The role develops and executes sales strategies, builds referral networks, generates appointments, and manages customer relationships to support growth and retention. It provides responsive service, business banking product information, and financial solutions tailored to customer needs. The position also develops recommendations based on business strategy and stakeholder needs, monitors performance, manages data in accordance with governance standards, and contributes to operational and change-management programs. It carries out work accurately and efficiently while following security, confidentiality, risk-management, regulatory, and ethical requirements. The role may include broader responsibilities as assigned and involves working independently on complex tasks within established rules.

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 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 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 influencing skills.
In-depth data-driven decision-making skills.

Responsibilities

Develop and execute sales strategies to attract new business clients and expand existing relationships.
Build internal and external networks and referral sources to support business growth.
Generate appointments and business opportunities through targeted sales efforts.
Develop, maintain, and execute business plans and relationship-management strategies to achieve 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.
Deliver responsive customer service, expertise, and support.
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 issues or escalate them as appropriate.
Develop solutions and recommendations based on business strategy and stakeholder needs.
Provide advice and guidance to assigned business or group on implementing solutions.
Break down strategic problems, analyze data and information, and 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 development and promotion of a business or group program.
Follow security and safeguarding procedures and apply due diligence under bank policies and ethical standards to prevent loss from fraud, robbery, counterfeiting, money laundering, or defalcation.
Maintain confidentiality of customer and Bank information in accordance with policies and procedures.
Identify risks and take appropriate actions, including required documentation and regulatory steps, to maintain operational integrity.
Apply the Risk Management Framework and make sound, risk-informed decisions consistent with business strategy, approved risk appetite, policies, laws, and regulations.
Take on broader work or accountabilities as assigned.