Premier Client Specialist

BMO • Rowland Heights, CA

5d • $65,000 - $140,000

About The Position

The Premier Client Specialist is the primary client contact for uncovering financial needs and providing holistic banking and investment solutions in compliance with regulatory and internal policies. The role builds relationships with clients, BMO partners, centers of influence, and the broader community, with a focus on acquiring new clients, growing assets under management through deposits and investments, and increasing investment penetration within an assigned portfolio.

Using a consultative, financial-planning-based approach, the specialist provides advice and recommendations across a defined set of banking and investment solutions, including simplified advisory accounts, annuities, mutual funds, 529 plans, and life insurance. The specialist works with a Financial Advisor when clients have more complex needs and supports client onboarding, service delivery, retention, and relationship growth. The role also develops and executes a business plan, monitors performance against sales and service goals, and collaborates with internal and external stakeholders. It requires sound judgment, strong product and financial expertise, and adherence to risk-management, security, confidentiality, and compliance requirements.

Requirements

• Typically, at least 3 years of relevant experience.
• Post-secondary degree in a related field is preferred but not required.
• 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 not already held must be obtained 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; and applicable legal, regulatory, and Bank requirements.
• 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.
• For U.S. positions, Federal registration with the Nationwide Mortgage Licensing System and Registry is required because the role originates consumer loans; a criminal background review and credit history evaluation are also required, and restrictions apply to performing in a real estate agent capacity.

Nice To Haves

• Post-secondary degree in a related field of study.

Responsibilities

• Serve as the primary contact for clients, uncover financial needs, and provide holistic banking and investment solutions.
• Build client relationships and identify opportunities to acquire clients, grow deposits and investments, and increase investment penetration.
• Use a consultative, financial-planning-based approach to recommend banking and investment products and services.
• Collaborate with Financial Advisors on clients with more complex financial needs.
• Work proactively with the assigned client portfolio to identify needs, solutions, and sales opportunities.
• Recommend products, pricing, and services, and connect clients with appropriate experts.
• Meet sales targets by acquiring new assets from existing clients and through new client acquisition.
• Introduce clients to digital platforms and encourage adoption of digital features.
• Develop, maintain, and execute a business plan and sales strategies to achieve objectives.
• Identify short- and long-term value-creation opportunities for target client segments.
• Build community relationships, identify prospects and centers of influence, and develop two-way 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 revenue and investments through client acquisition and deeper existing relationships.
• Deliver consistent client service using established playbooks and guidelines.
• Support client onboarding, documentation, and service delivery; escalate complex or unresolved situations and complaints.
• Maintain 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, identify gaps, and implement action plans to address them.
• Train, 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 prevent losses from fraud, robbery, counterfeiting, money laundering, or defalcation.
• Protect the confidentiality of client and Bank information in accordance with policies and procedures.
• Deliver timely, accurate, and efficient service and conduct quality client reviews for retention and relationship expansion.
• Exercise judgment to diagnose and solve problems within established rules, working independently on complex tasks and unique situations.
• Apply the Bank’s Risk Management Framework and Risk Culture, make informed decisions within approved risk appetite, protect assets, and comply with applicable policies, laws, and regulations.
• Perform other broader work or accountabilities as assigned.

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.

What This Job Offers

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