Relationship Manager Business Banking - Kingston

BMO; Kingston; On-site; CAD 51,000 - 97,000; Full time

Job summary

BMO is seeking a talented individual for a credit analyst role, responsible for proactive credit analysis and transaction assessment within a designated portfolio. This role requires strong interpersonal skills to manage customer relationships, along with analytical abilities to monitor portfolio quality and align with business strategies, while promoting financial solutions tailored to client needs.

Qualifications

• 4-6 years of relevant experience and related education.
• Strong knowledge of business banking products and lending policies.
• Technical proficiency through education or experience.

Responsibilities

• Identifying prospective customers and referring those with complex needs.
• Developing relationships with centres of influence.
• Analyzing data to provide insights and strategic recommendations.

Skills

Communication

Collaboration

Analytical skills

Influence skills

Data-driven decision-making

Education

Post-secondary degree

Job description

Provides technical expertise for proactive credit analysis, structuring, pricing, and overall transactions assessment within the assigned portfolio/jurisdiction. Offers advisory support to ensure decision accuracy and consistency with risk strategies, policies, and appetite. Identifies deficiencies and recommends corrective actions. Makes credit and pricing decisions aligned with sound credit principles, in compliance with Bank policies and procedures.

Responsibilities include:

1. Identifying prospective customers and referring those with Personal Banking or complex needs to appropriate personnel.
2. Understanding local markets and proactively developing relationships with centres of influence.
3. Developing internal and external networks to grow BMO's business.
4. Providing accurate information about business banking products and services.
5. Responding to inquiries, resolving issues, and escalating when necessary.
6. Maintaining long-term profitable relationships and expanding wallet share.
7. Analyzing data, providing insights, and making strategic recommendations.
8. Monitoring performance and addressing issues.
9. Producing reports and dashboards.
10. Managing databases in line with data governance standards.
11. Leading or participating in change management initiatives, including planning, stakeholder management, and execution.
12. Developing communication plans and tailored messaging.
13. Providing technical support for complex credit transactions.
14. Reviewing credit transactions for compliance with policies.
15. Developing risk profiles, structuring loans, and conducting investigations.
16. Monitoring portfolio quality and reporting on credit activities.
17. Understanding customer needs and offering tailored financial solutions.
18. Recommending solutions based on issue analysis.
19. Delivering excellent customer service and building trust.
20. Supporting strategic planning and identifying emerging trends.
21. Implementing operational programs and ensuring stakeholder alignment.
22. Executing work efficiently and developing relationship management strategies.
23. Building client rapport and credibility.
24. Designing training programs to address skill gaps.
25. Adhering to security, confidentiality, and compliance standards.
26. Assessing risks and maintaining operational integrity.
27. Focusing primarily on business/group within BMO, with potential enterprise-wide responsibilities.
28. Using judgment to solve problems within established rules.
29. Working independently on complex tasks and unique situations.

Qualifications include:

• 4-6 years of relevant experience and a related post-secondary degree or equivalent.
• Successful completion of CMS Compass Program or equivalent.
• Strong knowledge of business banking products, lending, and policies.
• Experience in customer sales and service.
• Technical proficiency through education or experience.
• Excellent communication, collaboration, analytical, and influence skills.
• Data-driven decision-making abilities.

Salary range: $51,800 - $96,500. Compensation includes base salary, potential bonuses, benefits, and other perks. For more details, visit https://jobs.bmo.com/global/en.

About BMO: We are committed to creating positive change, fostering an inclusive workplace, and supporting our employees' growth. Learn more at https://jobs.bmo.com/ca/en. Accommodations are available upon request.