Premier Client Specialist

BMO • Vacaville, CA

2d • $55,000 - $120,000

About The Position

The Premier Client Specialist acts as the primary client contact, uncovering financial needs and providing holistic banking and investment solutions in compliance with regulatory and compliance policies. The role builds client relationships and delivers a strong customer experience, focusing on new client acquisition, growth of assets under management—including deposits and investments—and increasing investment penetration within an assigned portfolio.

The position takes a consultative, financial-planning-oriented approach to relationship building and recommendations. It provides advice and solutions from a defined set of banking and investment products, including simplified advisory accounts, annuities, mutual funds, 529 plans, and life insurance, and collaborates with Financial Advisors when clients have more complex needs. The specialist manages an assigned customer portfolio, develops and executes a business plan, identifies opportunities to deepen relationships and acquire new clients, and supports client onboarding and ongoing service.

The role also contributes to market and community relationship-building, referrals, outreach events, and strategic initiatives. It monitors sales and service performance, coaches branch personnel on mass affluent clients, reviews credit applications, and follows risk, security, confidentiality, and regulatory requirements. Work is performed with independent judgment across a range of complex tasks, in accordance with bank policies, laws, regulations, and the Bank’s Risk Management Framework.

Requirements

• Typically, at least 3 years of relevant experience.
• Experience in a financial services organization demonstrating knowledge of banking products, related services, pricing strategies, and profitability management.
• SIE Exam.
• State Life and Health insurance license.
• Series 6, 63, and 65, or Series 7 and 66 licenses; if not already held, required within 120 days of the role start date.
• Advanced understanding of deposit, loan (including mortgage), and banking products and practices; cash flow analysis; lending processes and directives; credit risk policies and standards; supporting processes; applicable legal and regulatory requirements; and Bank policies.
• In-depth understanding of brokerage and insurance products.
• In-depth knowledge of business services, including retirement plans, business banking solutions, insurance, and succession planning.
• In-depth understanding of personal trust and investment management.
• In-depth knowledge of client portfolio management.
• Technical proficiency gained through education and/or business experience.
• Intermediate proficiency in Financial Needs Discovery, Product & Solution Design, and Investment, Insurance & Advisory Products.
• Advanced proficiency in Deposit & Cash Management; Lending & Credit; Prospecting & Acquisition; Sales Strategy & Execution; Advisory & Communication; Client Onboarding, Experience & Retention; Portfolio & Relationship Management; Risk & Compliance; Learning Agility; and Collaboration.
• For the U.S. role, Federal registration with the Nationwide Mortgage Licensing System and Registry is required for the position’s consumer-loan origination duties; the Bank will provide instructions on registration requirements.
• For the U.S. role, a criminal background review and credit history evaluation are required, and restrictions apply to performing in a real estate agent capacity.

Nice To Haves

• Post-secondary degree in a related field of study is preferred but not required.

Responsibilities

• Serve as the primary client contact, uncover financial needs, and provide holistic banking and investment solutions.
• Build client relationships and deliver a consistent customer experience, focusing on new client acquisition, asset growth, and investment penetration.
• Use a consultative, financial-planning-oriented approach to develop recommendations and provide advice on banking and investment products.
• Collaborate with Financial Advisors for clients with more complex financial needs.
• Proactively work with an assigned customer portfolio to identify needs, offer solutions, and uncover additional sales opportunities.
• Recommend products, pricing, and services, and connect customers with experts to support financial decisions.
• Meet sales targets by acquiring assets from existing clients and obtaining new clients.
• Introduce clients to digital platforms and encourage adoption of digital features.
• Develop, maintain, and execute a business plan and sales strategies to achieve sales objectives.
• Identify short- and long-term value creation opportunities for target customer segments.
• Build community relationships, identify prospects and centres of influence, and develop reciprocal referral relationships.
• Coordinate outreach for seminars, campaigns, and client events.
• Cultivate relationships with key client stakeholders and serve as a trusted advisor on long-term financial decisions.
• Source new revenue and investments through client acquisition and deepening existing relationships.
• Deliver client service using established playbooks and guidelines; support onboarding, documentation, and service delivery.
• Escalate complex or unresolved client situations and complaints.
• Develop product knowledge and financial expertise for an assigned product portfolio.
• Support strategic initiatives with internal and external stakeholders and build effective stakeholder relationships.
• Monitor sales and service performance against plan, identify gaps, and implement action plans to address them.
• Provide individual and group training, mentoring, and coaching to branch personnel on mass affluent clients.
• Review credit applications, apply sound credit-granting principles, and recommend remedies to maintain acceptable asset and credit quality.
• Follow security and safeguarding procedures and perform due diligence to help prevent fraud, robbery, counterfeiting, money laundering, or defalcation.
• Protect the confidentiality of customer and Bank information in accordance with policies and procedures.
• Execute work accurately, efficiently, and on time, including customer review meetings for retention and relationship expansion.
• Apply judgment to identify, diagnose, and solve problems within established rules; work independently on complex tasks and unique situations.
• Apply the Bank’s Risk Management Framework and Risk Culture, make sound risk-informed decisions, protect assets, and comply with applicable policies, laws, and regulations.
• Perform other broader work or accountabilities as assigned.

Benefits

• Health insurance
• Tuition reimbursement
• Accident insurance
• Life insurance
• Retirement savings plans
• The total compensation package may include performance-based incentives, discretionary bonuses, perks, and rewards.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: No Education Listed