MD, U.S. Coml Credit Leader

BMO•Los Angeles, CA

About The Position

Manages Diversified Industries portfolio for US Commercial. Will have dotted line oversight for Portfolio Management leaders in U.S. Diversified Industries. Responsible for portfolio quality and management, and adherence to the bank's policies and risk appetite standards. 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. Advises clients and prospects on sophisticated financial solutions and tailored strategic recommendations. Leverages advanced deal structuring expertise to negotiate loan terms and conditions and structure loans balancing client requirements with the bank’s risk appetite and policies. In alignment with credit qualifications, signs off on new, renewal and extension loans. Conducts comprehensive portfolio monitoring and performance analysis including covenant compliance and client industry trends to identify risks and opportunities. Leads the development and implementation of advanced capital allocation strategies, that leverage market insights and portfolio analysis and optimize investment returns. Oversees financial and risk analysis to make informed credit-granting decisions and assessments of portfolio health Handles escalated client concerns and service requests, ensuring expectations are consistently met or exceeded. Builds and maintains a portfolio of strong relationships that ensures a superior client experience and drives financial performance. Leads complex proposal development and delivers presentations to acquire clients or win business. Advises on strategic business priorities, resource allocation, and change initiatives to ensure successful execution of key strategies across commercial banking functions. 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 senior specialist resource across BMO. Influences how teams/groups work together. Applies expertise and thinks creatively to address unique or ambiguous situations and to find solutions to multiple, interdependent, complex problems. Communicates abstract concepts in simple terms. Fosters strong internal and external networks and works with and across multiple teams to achieve business objectives. Anticipates trends and responds by implementing appropriate changes. Broader work or accountabilities may be assigned as needed.

Requirements

Preferred 9+ 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 is considered.
If a Credit Qualifiable job, Credit Qualifications and associated credit knowledge and skills according to the credit portfolio requirements and qualification standards.
Seasoned expert with extensive industry knowledge.
Technical leader viewed as a thought leader for innovation.
Advanced level of proficiency: Structuring Deals Change Management Problem Solving People Management Detail-Oriented Leadership Loan Structuring Regulatory Compliance Portfolio Management Credit Risk Assessment Banking Operations
Expert level of proficiency: Customer Service Financial analysis Microsoft Office

Responsibilities

Manages Diversified Industries portfolio for US Commercial.
Will have dotted line oversight for Portfolio Management leaders in U.S. Diversified Industries.
Responsible for portfolio quality and management, and adherence to the bank's policies and risk appetite standards.
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.
Advises clients and prospects on sophisticated financial solutions and tailored strategic recommendations.
Leverages advanced deal structuring expertise to negotiate loan terms and conditions and structure loans balancing client requirements with the bank’s risk appetite and policies.
In alignment with credit qualifications, signs off on new, renewal and extension loans.
Conducts comprehensive portfolio monitoring and performance analysis including covenant compliance and client industry trends to identify risks and opportunities.
Leads the development and implementation of advanced capital allocation strategies, that leverage market insights and portfolio analysis and optimize investment returns.
Oversees financial and risk analysis to make informed credit-granting decisions and assessments of portfolio health
Handles escalated client concerns and service requests, ensuring expectations are consistently met or exceeded.
Builds and maintains a portfolio of strong relationships that ensures a superior client experience and drives financial performance.
Leads complex proposal development and delivers presentations to acquire clients or win business.
Advises on strategic business priorities, resource allocation, and change initiatives to ensure successful execution of key strategies across commercial banking functions.
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 senior specialist resource across BMO.
Influences how teams/groups work together.
Applies expertise and thinks creatively to address unique or ambiguous situations and to find solutions to multiple, interdependent, complex problems.
Communicates abstract concepts in simple terms.
Fosters strong internal and external networks and works with and across multiple teams to achieve business objectives.
Anticipates trends and responds by implementing appropriate changes.
Broader work or accountabilities may be assigned as needed.