Business Banking Relationship Manager

Bank of Montreal • Modesto, CA

6d • $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 to attract new clients, expand existing relationships, and identify opportunities for referrals to BMO colleagues. Develops sales strategies, networks, referral sources, and a business plan with relationship-management strategies to support growth and customer retention.

Provides responsive customer service, expertise, and guidance on business banking products and services. Understands customer goals and needs, recommends appropriate financial solutions, develops long-term profitable relationships, and expands wallet share. Builds credibility and trust with clients and local centers of influence, resolves or escalates issues, and provides advice to internal business groups on implementing solutions.

Analyzes business problems and data, monitors performance, and recommends actions. Coordinates databases in accordance with data-governance standards and leads or participates in change-management activities. Supports operational programs and delivers timely, accurate, and efficient service. Follows security, confidentiality, due diligence, risk-management, regulatory, and ethical requirements to protect customers and 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 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 drive growth and mitigate risk.
• Strong knowledge of business banking products, lending processes, loan documentation, and related policies, procedures, and technologies.
• Strong customer sales and service experience.
• 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

• Cultivate, 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.
• Build internal and external networks and referral sources, and generate appointments and sales opportunities through targeted efforts.
• Develop, maintain, and execute business plans and relationship-management strategies to achieve customer-retention objectives.
• Identify prospective customers and cross-sell products and services that meet their needs.
• Build client rapport and trust; understand local markets and develop relationships with centers of influence.
• Provide exceptional customer service, product information, expertise, and responsive support.
• Understand customer needs and recommend financial solutions that support customer goals.
• Resolve or escalate customer issues and provide advice and guidance on implementing solutions.
• Analyze strategic problems, data, and information to 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 operational-program planning and implementation, and support the development and promotion of business/group programs.
• Execute work to deliver timely, accurate, and efficient service.
• Follow security and safeguarding procedures and conduct due diligence to prevent fraud, robbery, counterfeiting, money laundering, and defalcation.
• Maintain confidentiality of customer and Bank information in accordance with policies and procedures.
• Identify risks and take appropriate actions, including meeting documentation and regulatory requirements.
• Apply the Risk Management Framework and make sound, risk-informed decisions consistent with business strategy, approved risk appetite, policies, laws, and regulations.
• Work independently on complex tasks and take on broader work or accountabilities as assigned.

Benefits

• Health insurance
• Tuition reimbursement
• Accident insurance
• Life insurance
• Retirement savings plans
• Performance-based incentives and discretionary bonuses may be included in the total compensation package.

What This Job Offers

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