Small Business Officer

Bank of Montreal • San Jose, CA

8d

About The Position

The Small Business Officer cultivates, builds, and manages relationships with a portfolio of small business clients to develop new business and increase BMO’s market share. The role applies consultative sales and business development practices to attract new clients, expand existing relationships, and meet customer goals with suitable financial solutions. It develops local networks and referral sources, identifies cross-selling opportunities, and delivers responsive service while building trust and long-term profitable relationships.

The position develops and executes business and relationship-management plans, monitors performance, analyzes information, and provides recommendations. It also supports solution implementation, operational programs, data governance, and change-management activities. The role follows the Bank’s security, confidentiality, risk-management, regulatory, and ethical requirements, and may take on broader responsibilities 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 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 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 generate new business and increase market share.
• Develop and execute sales strategies to attract new business clients and expand existing relationships.
• Build internal and external networks and referral sources, including relationships with local centres of influence.
• 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 through expertise, responsive service, and support.
• Answer inquiries and provide accurate information about business banking products and services.
• Understand customer needs and offer financial solutions aligned with customer goals; resolve or escalate issues.
• Develop solutions and recommendations based on business strategy and stakeholder needs, and advise business groups on implementation.
• 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 or group programs.
• Execute work to deliver timely, accurate, and efficient service.
• Follow security and safeguarding procedures and exercise due diligence to help prevent fraud, robbery, counterfeiting, money laundering, and defalcation.
• Maintain the confidentiality of customer and Bank information in accordance with Bank policies and procedures.
• Identify risks and take appropriate actions, including completing documentation and regulatory requirements, to maintain operational integrity.
• Apply BMO’s Risk Management Framework and make sound, risk-informed decisions in accordance with business strategy, approved risk appetite, policies, laws, and regulations.

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