Business Banking Relationship Manager BMO

Company: The Family Business Consulting Group, Inc. (FBCG)
Location: San Francisco
Posted on: April 2, 2025

Job Description:

Job Highlights



Title
Business Banking Relationship Manager


Type
Full Time


Experience
4-6 Years


Function
Commercial Sales Services


Location
San Francisco, CA, United States


Company
BMO (USA)



Company Profile
BMO is a leading North American bank and provides personal and commercial banking, global markets, and investment banking services.
Job Profile
The bank is searching for a Business Banking Relationship who will provide technical expertise for proactive credit analysis, structuring, pricing, and overall transactions assessment within the assigned portfolio/jurisdiction.
Provides advisory support to the team to provide insights on the accuracy and consistency of decisions relative to risk strategies, policies, and appetite.
Identifies deficiencies and recommends corrective action plans.
Makes credit and pricing decisions and recommendations following sound credit-granting principles in compliance with Bank policies and procedures.
Education Level

• 
  
• Post-secondary Degree in a related field of study
  
  Work Experience
  
  • 
    
  • Typically, 4-6 years of relevant experience and or an equivalent combination of education and experience.
    
  • Successful completion of CMS Compass Program or equivalent knowledge and experience (required)
    
    Duties/Responsibilities
    
    • 
      
    • Adheres to business banking lending processes, policies, procedures, legal, regulatory, audit, and ethical requirements.
      
    • Assists in the development of strategic plans.
      
    • Breaks down strategic problems, and analyses data and information to provide insights and recommendations.
      
    • Broader work or accountabilities may be assigned as needed
      
    • Builds change management plans of varying scope and type; leads or participates in a variety of change management activities including readiness assessments, planning, stakeholder management, execution, evaluation, and sustainment of initiatives.
      
    • Conducts independent analysis and assessment to resolve strategic issues.
      
    • Coordinates the management of databases; ensures alignment and integration of data in adherence with data governance standards.
      
    • Delivers exceptional customer service to build trust by providing expertise, responsive service, and support.
      
    • Designs and produces regular and ad-hoc reports and dashboards.
      
    • Develops client rapport and instills confidence to develop credibility and earn their trust as relationship managers.
      
    • Develops internal and external networks and referral sources to ensure ongoing growth of BMO's business.
      
    • Develops risk profiles, credit structuring of lending proposals, and completes credit investigations.
      
    • Develops solutions and makes recommendations based on an understanding of the business strategy and stakeholder needs.
      
    • Develops, maintains, and executes a business plan, including relationship management strategies, to achieve customer retention objectives.
      
    • Ensures alignment between stakeholders.
      
    • Examines individual transactions for the designated portfolio and aggregates portfolio information to monitor, analyze, and report on the quality of credit activities and risk-related decisions.
      
    • Executes work to deliver timely, accurate, and efficient service.
      
    • Exercises judgment to identify, diagnose, and solve problems within given rules.
      
    • Focus is primarily on business/group within BMO; may have broader, enterprise-wide focus.
      
    • Follows security and safeguarding procedures and applies due diligence per the Bank's policies and ethical standards for the prevention of loss due to fraud, robbery, counterfeiting, money laundering, or defalcation.
      
    • Helps determine business priorities and best sequence for execution of business/group strategy.
      
    • Identifies business needs, designs/develops tools and training and coaching programs to address observed trends and skill gaps; may include delivery of training to audiences.
      
    • Identifies emerging issues and trends to inform decision-making.
      
    • Identifies prospective customers, or refers customers with Personal Banking or more complex needs to appropriate personnel.
      
    • Identifies risks and takes appropriate actions, including all documentation and other regulatory requirements to maintain operational integrity.
      
    • Independently examines credit transactions and related reporting (e.g. exception reports) for adherence to transactional policies and procedures.
      
    • Maintains the confidentiality of customer and Bank information in compliance with Bank policies and procedures.
      
    • Monitors and tracks performance, and addresses any issues.
      
    • Provides advice and guidance to assigned business/group on implementation of solutions.
      
    • Provides advice and support with a focus on unique and complex credit transactions; provides day-to-day technical support for team members.
      
    • Provides input into the planning and implementation of operational programs.
      
    • Recommends and implements solutions based on analysis of issues and implications for the business.
      
    • Supports the execution of strategic initiatives in collaboration with internal and external stakeholders.
      
    • Understands customer needs and offers financial solutions that meet customer goals.
      
    • Understands the local market and proactively develops relationships with centers of influence.
      
    • Works independently on a range of complex tasks, which may include unique situations.
      
      Skills/Knowledge/Abilities
      
      • 
        
      • Analytical and problem-solving skills (in-depth)
        
      • Collaboration and team skills (in-depth)
        
      • Data-driven and decision-making (in-depth)
        
      • Influence skills (in-depth)
        
      • Strong experience with customer sales and service.
        
      • Strong knowledge of business banking products, lending processes and loan documentation, and supporting policies, procedures, and technologies.
        
      • Technical proficiency gained through education or business experience.
        
      • Verbal and written communication skills (in-depth)
        
        Benefits/Perks
        
        • 
          
        • The bank offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans.
          
          Employer's Statement
          BMO is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to sex, gender identity, sexual orientation, race, color, religion, national origin, disability, protected Veteran status, age, or any other characteristic protected by law.
          
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Keywords: The Family Business Consulting Group, Inc. (FBCG), San Francisco , Business Banking Relationship Manager BMO, Executive , San Francisco, California