Business Banking Relationship Manager

BMO • Tustin, CA

7d • $65,000 - $140,000

About The Position

The Business Banking Relationship Manager cultivates, builds, and manages relationships with a portfolio of small business clients to generate new business and increase BMO’s market share. The role uses consultative sales and business development practices to attract new clients, expand existing relationships, identify client needs, and refer opportunities to colleagues. It develops and executes sales and relationship-management strategies, builds internal and external referral networks, and works to achieve customer retention and portfolio growth objectives.

The position provides business banking product and service information, financial solutions, responsive customer service, and guidance to clients. It builds client trust and long-term profitable relationships while expanding wallet share. The role also analyzes business and performance information, recommends solutions, monitors results, coordinates database management in accordance with data governance standards, and supports operational and change-management programs.

The Relationship Manager follows bank security, confidentiality, due diligence, risk-management, regulatory, and ethical requirements. Work is primarily focused on a business group within BMO, with potential for broader enterprise-wide scope. The role exercises judgment to solve problems within established rules and works independently on complex tasks. Additional duties may be assigned 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 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 build a pipeline of new business and increase BMO’s market share.
• Proactively develop and execute sales strategies to attract new business clients and expand existing relationships.
• Develop internal and external networks and referral sources to support ongoing business growth.
• Generate appointments and opportunities through targeted sales 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, 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 client 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.
• 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 activities.
• Provide input into the planning and implementation of operational programs.
• Execute work to deliver timely, accurate, and efficient service.
• Support the development and promotion of a business or group program.
• Follow security and safeguarding procedures and perform due diligence to prevent losses related to fraud, robbery, counterfeiting, money laundering, or defalcation.
• Maintain the confidentiality of customer and Bank information in compliance with Bank policies and procedures.
• Identify risks and take appropriate actions, including completing documentation and other regulatory requirements, to maintain operational integrity.
• Apply BMO’s Risk Management Framework and Risk Culture, make informed decisions within approved risk appetite, and comply with relevant policies, laws, and regulations.

Benefits

• Health insurance
• Tuition reimbursement
• Accident and life insurance
• Retirement savings plans
• Performance-based incentives, discretionary bonuses, perks, and rewards may be included depending on the position's pay type.

What This Job Offers

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