Associate Director, National Accounts Agriculture

BMO•Leamington, ON

5d•CA$65,600 - CA$122,600

About The Position

The National Accounts Agriculture team operates within BMO’s Canadian Commercial Banking division and supports large, sophisticated agricultural producers (farmers) and agribusiness clients across Ontario and nationally. The team focuses on primary producers, agri-processors, input providers, and vertically integrated agricultural enterprises. We are accountable for driving revenue growth, managing complex credit portfolios, delivering tailored financing solutions, and enabling cross‑sell across the Bank’s full suite of products—including capital markets, treasury, and risk management solutions. The team structures and supports financing opportunities ranging from $10,000,000 to over $400,000,000. The Associate Director – National Accounts Agriculture supports relationship management and business development activities for a portfolio of large, complex agricultural clients across Ontario. This role works closely with Senior Directors and internal partners to deliver customized financing solutions and provide exceptional client coverage across the agriculture sector. The Associate Director plays an active role in managing strategic client relationships with sophisticated agricultural producers (farmers) and agribusiness clients, supporting new business origination efforts, and assisting in the execution of complex credit structures, including bilateral and syndicated facilities. The role is also responsible for overseeing portfolio management activities, identifying growth opportunities, and contributing to the delivery of the Bank’s full suite of financial solutions—including lending, treasury, capital markets, and risk management products. In addition, the Associate Director partners closely with credit, adjudication, and product teams to support underwriting, transaction execution, and ongoing portfolio monitoring. The role requires strong financial analysis, relationship management, and risk assessment capabilities, while maintaining high standards of compliance, credit discipline, and client service.

Requirements

Preferred 5 – 7 years of relevant experience in credit or lending instruments or financial operations in a corporate or banking environment.
If a Credit Qualifiable job, Credit Qualifications and associated credit knowledge and skills according to the credit portfolio requirements and qualification standards.
Bachelor’s degree required; Business Administration, Finance and Accounting preferred.
Any other related discipline or commensurate work experience considered.
Deep knowledge and technical proficiency gained through extensive education and business experience.
Foundational level of proficiency: Structuring Deals
Advanced level of proficiency: Problem Solving
Collaboration
Detail-Oriented
Customer Service
Loan Structuring
Regulatory Compliance
Portfolio Management
Credit Risk Assessment
Banking Operations
Microsoft Office
Expert level of proficiency: Financial analysis

Responsibilities

Analyzes credit information to support lending decisions and processes for new and existing Commercial banking loans and credit solutions in an assigned portfolio of clients.
Makes credit decisions and recommendations in compliance with bank policies and procedures while maintaining an exceptional client service environment.
Negotiates loan structures and terms and conditions that align client requirements with the bank risk appetite and policies.
Assesses client repayment capacity by utilizing financial models and analytical tools to recommend appropriate loan structures and collateral requirements.
Signs off on new, renewal and extension loans within delegated authority.
Monitors portfolio to identify deteriorating credit conditions and compliance, analyses metrics, and assesses broader industry trends to spot risks and opportunities.
Evaluates portfolio performance and recommends capital allocation strategies that optimize returns with investment objectives.
Leads proposal development and delivers presentations to capture new business and expand client relationships.
Networks with industry contacts to gather competitive insights and best practices.
Develops and executes business development plans focused on enhancing client relationships and growth opportunities within the portfolio.
Builds and maintains client relationships to ensure long-term financial performance in collaboration with Relationship Manager and business partners.
Structures and supports new, renewal and extension loans aligned with client needs and bank & risk policies
Conducts financial analysis and risk assessments of clients’ credit information, for an assigned portfolio, to provide insights and make informed decisions
Monitors the portfolio performance for assigned portfolio of Commercial Banking clients on an ongoing basis, taking corrective action when required.
Minimizes BMO’s risk exposure by adhering to credit policies, regulatory standards, and operational guidelines.
Serves as a point of contact for service requests, ensuring expectations are consistently met or exceeded.
Escalates issues when needed.
Supports and implements initiatives to enhance service quality, acquire new business and expand client relationships.
Identifies revenue and cross-selling opportunities to enhance portfolio growth.
Identifies share of wallet opportunities.
Leverages analysis tools to nurture and grow a portfolio that exceeds ROE thresholds and evaluates client returns on a proactive basis.
Manages timely and accurate data entry into BMO's systems and leverages the data to support decision-making.
Provides specialized consulting, analytical and technical support.
Exercises judgment to identify, diagnose, and solve problems within given rules.
Works independently and regularly handles non-routine situations.
Broader work or accountabilities may be assigned as needed.
Take measured risks while protecting the bank by applying our Risk Management Framework in the execution of your role, in line with our Risk Culture and within our approved Risk Appetite, making sound and risk informed decisions that align to business strategy, protect assets, and adhere to applicable policy documents (Frameworks, Policies, Standards, Procedures and Supporting documents), laws and regulations.