Business Banking Relationship Manager

Bank of Montreal•Silver Spring, WI

About The Position

The Business Banking Relationship Manager cultivates, builds, and manages relationships with a portfolio of small business clients, developing new business and increasing BMO’s market share. The role uses consultative sales and business development practices to attract new clients, expand existing relationships, generate opportunities, and grow business results. It builds internal and external networks and referral sources, understands the local market, and develops relationships with centres of influence. The position delivers responsive customer service and financial expertise, identifies customer needs, recommends appropriate solutions, and provides accurate information about business banking products and services. It develops long-term profitable client relationships, expands wallet share, and works toward customer retention objectives through business and relationship-management plans. The role also analyzes information, monitors performance, resolves or escalates issues, and advises on solutions aligned with business strategy and stakeholder needs. The role supports operational programs and change-management activities, coordinates databases in line with data-governance standards, and executes work accurately and efficiently. It follows security, confidentiality, due diligence, regulatory, and risk-management requirements to protect customers and the Bank. The work focuses primarily on a BMO business or group, with possible broader enterprise-wide scope. The position works independently on complex tasks, using judgment to address problems within established rules.

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 support business 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

Cultivate, build, and manage relationships with a portfolio of small business clients to develop new business and increase BMO’s market share.
Identify and pursue opportunities to attract new business clients, expand existing relationships, cross-sell products and services, and grow wallet share.
Develop and execute sales strategies and business plans, including relationship-management strategies, to achieve growth and customer-retention objectives.
Generate appointments and opportunities through targeted sales efforts and develop internal and external networks, referral sources, and relationships with local centres of influence.
Deliver responsive customer service, provide expertise and accurate information about business banking products and services, and build client trust and credibility.
Understand customer needs and recommend financial solutions that support customer goals.
Resolve or escalate issues and provide advice and guidance on solutions based on business strategy and stakeholder needs.
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 of initiatives.
Provide input into operational program planning and implementation, support the development and promotion of business/group programs, and deliver timely, accurate, and efficient service.
Follow security and safeguarding procedures, perform due diligence, maintain confidentiality, identify risks, and meet documentation, regulatory, policy, and ethical requirements.
Apply the Bank’s Risk Management Framework and make sound, risk-informed decisions within approved risk appetite.