Premier Client Specialist

BMO • Denver, CO

8d • $55,000 - $120,000

About The Position

The Premier Client Specialist serves as a primary client contact, identifying financial needs and providing holistic banking and investment solutions in accordance with applicable regulatory and compliance requirements. The role focuses on new client acquisition, growing assets under management through deposits and investments, and increasing investment penetration across an assigned portfolio. It takes a consultative, financial-planning-oriented approach to relationship building and recommendations, and works with Financial Advisors when clients have more complex needs.

The specialist develops and executes business and sales plans, identifies value-creation opportunities, builds referral and community relationships, and supports client onboarding and ongoing service. The position also helps clients adopt digital banking features, monitors performance against sales and service plans, and coaches branch personnel on serving mass-affluent clients. It requires sound risk management, compliance with bank policies and laws, and protection of client and bank information. Broader work or accountabilities may be assigned as needed.

For U.S. positions, the role originates consumer loans under specified regulations and requires federal registration with the Nationwide Mortgage Licensing System and Registry. A criminal background review and credit history evaluation are required, and restrictions apply to performing in a real estate agent capacity.

Requirements

• Typically, 3 or more years of relevant experience.
• Proven experience in a financial services organization, including 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; 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 and solution design, and investment, insurance, and advisory products.
• Advanced proficiency in deposit and cash management, lending and credit, prospecting and acquisition, sales strategy and execution, advisory and communication, client onboarding, experience and retention, portfolio and relationship management, risk and compliance, learning agility, and collaboration.

Nice To Haves

• Post-secondary degree in a related field of study (preferred, not required).

Responsibilities

• Act as the primary client contact to uncover financial needs and provide banking and investment solutions in compliance with regulatory and bank policies.
• Build client relationships and acquire new clients, grow deposits and investments, and increase investment penetration within the assigned portfolio.
• Use a consultative, financial-planning-oriented approach to identify opportunities and recommend products, pricing, services, and solutions.
• Provide advice and guidance on banking and investment solutions, including simplified advisory accounts, annuities, mutual funds, 529 plans, and life insurance.
• Collaborate with Financial Advisors when clients have more complex financial needs.
• Proactively manage the assigned portfolio to uncover needs, offer solutions, and identify sales opportunities.
• Achieve sales targets by acquiring assets from existing clients and new clients.
• Introduce clients to digital platforms and encourage adoption of digital features.
• Develop and execute a business plan and sales strategies to achieve sales objectives.
• Identify short- and long-term value-creation opportunities for target customer segments.
• Participate in the community to identify prospects, build relationships with 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.
• Deliver consistent client service using established playbooks and guidelines; support client onboarding, documentation, and service delivery.
• Escalate complex or unresolved client situations and complaints.
• Develop product knowledge and financial expertise for the assigned portfolio.
• Support strategic initiatives with internal and external stakeholders and build effective stakeholder relationships.
• Monitor sales and service performance against plans, identify gaps, and implement action plans to address performance issues.
• Provide individual and group training to mentor and coach branch personnel on serving 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 apply due diligence to help prevent fraud, robbery, counterfeiting, money laundering, and defalcation.
• Maintain the confidentiality of customer and bank information.
• Deliver timely, accurate, and efficient service and conduct quality customer review meetings to support retention and relationship expansion.
• Apply judgment to diagnose and solve problems, including complex or unique situations, and take risk-informed decisions within the bank’s Risk Management Framework and approved Risk Appetite.

Benefits

• Health insurance
• Tuition reimbursement
• Accident and life insurance
• Retirement savings plans
• Performance-based incentives, discretionary bonuses, and other perks and rewards may be included in the total compensation package.
• Training and coaching, manager support, and network-building opportunities.

What This Job Offers

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