Business Banking Relationship Manager

Jobtailor; Santa Rosa (CA); On-site; USD 110,000 - 145,000; Full time

Job summary

Bank of Montreal (BMO) seeks an experienced Relationship Manager to serve a small business client portfolio in Santa Rosa, CA. You will cultivate relationships, build a robust new-biz pipeline, and craft tailored financial solutions while coordinating across internal teams and maintaining strict risk controls.

You will leverage strong financial analysis and lending knowledge to drive revenue, cross-sell products, and deliver exceptional service to help clients grow and navigate the market with

Qualifications

• 4–6 years of relevant experience.
• Post-secondary degree in related field or equivalent combination of education and experience.
• Strong financial analysis skills.
• Ability to interpret financial statements.
• Ability to assess creditworthiness.
• Strong knowledge of business banking products.
• Knowledge of lending processes and loan documentation.
• Knowledge of supporting policies, procedures, and technologies.
• Strong experience with customer sales and service.
• Technical proficiency gained through education and/or business experience.
• In-depth verbal and written communication skills.
• In-depth collaboration and team 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.
• Build a pipeline of new business and increase BMO’s market share.
• Develop and execute sales strategies to attract new business clients and expand existing relationships.
• Develop internal and external networks and referral sources.
• Generate appointments and opportunities through targeted sales efforts.
• Develop, maintain, and execute business plans and relationship management strategies.
• Identify prospective customers and cross-sell additional products and services.
• Build client rapport, credibility, and trust.
• Understand the local market and develop relationships with centres of influence.
• Deliver exceptional customer service and provide expertise, responsive service, and support.
• Develop long-term profitable relationships and expand wallet share.
• Answer inquiries and provide accurate information about business banking products and services.
• Understand customer needs and offer financial solutions.
• Resolve or lift issues.
• Develop solutions and recommendations based on business strategy and stakeholder needs.
• Provide advice and guidance on implementation of solutions.
• Analyze data and information to provide insights and recommendations.
• Monitor and track performance and address issues.
• Coordinate database management and ensure data governance alignment.
• Build change management plans and lead or participate in change management activities.
• Provide input into planning and implementation of operational programs.
• Execute timely, accurate, and efficient work.
• Support development and promotion of business/group programs.
• Follow security, safeguarding, fraud prevention, anti-money laundering, confidentiality, risk, and regulatory procedures.
• Apply BMO’s Risk Management Framework and make sound, risk-informed decisions.

Skills

Relationship management

Financial analysis

Data-driven decision-making

Sales strategy development

Creditworthiness assessment

Lending processes

Education

Post-secondary degree or equivalent

Tools

Database Management

Data Governance

Job description

• Cultivate, build, and manage relationships with a portfolio of small business clients
• Build a pipeline of new business and increase BMO’s market share
• Develop and execute sales strategies to attract new business clients and expand existing relationships
• Develop internal and external networks and referral sources
• Generate appointments and opportunities through targeted sales efforts
• Develop, maintain, and execute business plans and relationship management strategies
• Identify prospective customers and cross-sell additional products and services
• Build client rapport, credibility, and trust
• Understand the local market and develop relationships with centres of influence
• Deliver exceptional customer service and provide expertise, responsive service, and support
• Develop long-term profitable relationships and expand wallet share
• Answer inquiries and provide accurate information about business banking products and services
• Understand customer needs and offer financial solutions
• Resolve or lift issues
• Develop solutions and recommendations based on business strategy and stakeholder needs
• Provide advice and guidance on implementation of solutions
• Analyze data and information to provide insights and recommendations
• Monitor and track performance and address issues
• Coordinate database management and ensure data governance alignment
• Build change management plans and lead or participate in change management activities
• Provide input into planning and implementation of operational programs
• Execute timely, accurate, and efficient work
• Support development and promotion of business/group programs
• Follow security, safeguarding, fraud prevention, anti-money laundering, confidentiality, risk, and regulatory procedures
• Apply BMO’s Risk Management Framework and make sound, risk-informed decisions

Requirements

• Typically between 4–6 years of relevant experience
• Post-secondary degree in related field of study or equivalent combination of education and experience
• Strong financial analysis skills
• Ability to interpret financial statements
• Ability to assess creditworthiness
• Strong knowledge of business banking products
• Knowledge of lending processes and loan documentation
• Knowledge of supporting policies, procedures, and technologies
• Strong experience with customer sales and service
• Technical proficiency gained through education and/or business experience
• In-depth verbal and written communication skills
• In-depth collaboration and team skills
• In-depth analytical and problem-solving skills
• In-depth influence skills
• In-depth data-driven decision-making skills

Core Competencies

Demonstrates strong financial analysis skills and the ability to interpret financial statements, while effectively managing client relationships and executing sales strategies in business banking. Proficient in data-driven decision-making and delivering exceptional customer service.

Highest-signal resume keywords

• Financial Analysis
• Business Banking Products
• Customer Sales And Service
• Data-Driven Decision-Making
• Relationship Management

Hard Skills

• Financial Analysis
• Creditworthiness Assessment
• Lending Processes
• Loan Documentation
• Business Banking Products Knowledge
• Data Analysis
• Sales Strategy Development
• Business Plan Execution
• Change Management
• Risk Management Framework

Soft Skills

• Verbal Communication
• Written Communication
• Collaboration
• Problem-Solving
• Influence

Industry Keywords

• Market Share
• Customer Service
• Client Rapport
• Operational Programs
• Fraud Prevention
• anti-money laundering
• Regulatory Procedures

Tools & Technologies

• Database Management
• Data Governance