Director - Portfolio Management Commercial/Corporate Banking Specialty Sector, Engineering & Construction

BMO • Chicago, IL

2d

About The Position

Director role includes management responsibilities, including direct reports. 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. Develops comprehensive credit structures to meet the transactional needs of more complex clients. Signs off on new, renewal and extension loans within delegated authority. Conducts comprehensive portfolio monitoring including covenant compliance to identify deteriorating credit conditions. Conducts performance analysis, engages with clients and assesses industry trends to identify risks and opportunities. Evaluates portfolio performance and recommends capital allocation strategies that optimize returns with investment objectives. Handles escalated client concerns and service requests, ensuring expectations are consistently met or exceeded. Leads complex proposal development and delivers presentations to capture new business and expand client relationships. Engages with industry peers and networks to gather competitive insights and best practices, applying this knowledge to maintain a competitive edge. 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. Operates at a group/enterprise-wide level and serves as a specialist resource to senior leaders and stakeholders. Applies expertise and thinks creatively to address unique or ambiguous situations and to find solutions to problems that can be complex and non-routine. Implements changes in response to shifting trends. Broader work or accountabilities may be assigned as needed.

Requirements

• Preferred 7+ years of relevant experience in credit or lending instruments or financial operations in a corporate or banking environment.
• Bachelor’s degree required, Master’s degree preferred; Business Administration, Finance and Accounting preferred.
• Any other related discipline or commensurate work experience considered.
• If a Credit Qualifiable job, Credit Qualifications and associated credit knowledge and skills according to the credit portfolio requirements and qualification standards.
• Seasoned professional with a combination of education, experience and industry knowledge.
• Intermediate level of proficiency: Structuring Deals Change Management
• Advanced level of proficiency: Detail-Oriented Leadership
• Expert level of proficiency: Loan Structuring Regulatory Compliance Portfolio Management Credit Risk Assessment Banking Operations Financial analysis Microsoft Office Problem Solving Customer Service

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.
• Develops comprehensive credit structures to meet the transactional needs of more complex clients.
• Signs off on new, renewal and extension loans within delegated authority.
• Conducts comprehensive portfolio monitoring including covenant compliance to identify deteriorating credit conditions.
• Conducts performance analysis, engages with clients and assesses industry trends to identify risks and opportunities.
• Evaluates portfolio performance and recommends capital allocation strategies that optimize returns with investment objectives.
• Handles escalated client concerns and service requests, ensuring expectations are consistently met or exceeded.
• Leads complex proposal development and delivers presentations to capture new business and expand client relationships.
• Engages with industry peers and networks to gather competitive insights and best practices, applying this knowledge to maintain a competitive edge.
• 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.
• Operates at a group/enterprise-wide level and serves as a specialist resource to senior leaders and stakeholders.
• Applies expertise and thinks creatively to address unique or ambiguous situations and to find solutions to problems that can be complex and non-routine.
• Implements changes in response to shifting trends.
• Broader work or accountabilities may be assigned as needed.

Benefits

• BMO also offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans.
• To view more details of our benefits, please visit: https://jobs.bmo.com/global/en/Total-Rewards

What This Job Offers

• Job Type: Full-time
• Career Level: Director
• Number of Employees: 5,001-10,000 employees