Senior Director, Credit Structuring

BMO•Montreal, QC

6d•Onsite

About The Position

The Senior Director, Credit Structuring, is a leadership role responsible for the structuring, underwriting, and ongoing risk management of complex ABL transactions and portfolios. This role is responsible for delivering asset-based lending credit solutions to clients, while ensuring effective risk management and high-quality execution. The incumbent acts as a subject-matter expert for asset-based lending structures, leading credit structuring, portfolio oversight, and risk assessment activities, while ensuring adherence to BMO’s risk appetite, credit policies, and regulatory standards.

Requirements

Minimum 8+ years of experience in commercial banking, credit structuring, or related financial services.
Post-secondary degree in a relevant field or equivalent combination of education and experience
Credit qualified, with deep expertise in credit principles, structuring, and risk management
Proven technical leadership and recognized as a seasoned expert in the industry
Exceptional verbal and written communication skills
Advanced analytical, problem-solving, and decision-making capabilities
Strong influence and collaboration skills, with a focus on cross-functional teamwork
Demonstrated ability to manage ambiguity and deliver results in complex, fast-paced environments
Thought leader in innovation, with a data-driven approach to strategy and execution

Nice To Haves

Previous experience in an asset-based lending role would be an asset.

Responsibilities

Assist the Managing Director, Credit Structuring by playing a pivotal role with the structuring and underwriting of ABL transactions across new and existing client relationships, including growth financings, M&A-related facilities and refinancing
Provide expert guidance on credit structuring, risk mitigation, and regulatory compliance across diverse industries
Serve as a subject matter expert on ABL credit policy, documentation standards, and emerging risk considerations.
Exercise sound credit judgment and escalate matters as required in alignment with delegated authorities and governance frameworks.
Assume ownership of the ongoing credit quality and risk management of an assigned ABL portfolio.
Act as a strategic advisor to senior leadership, contributing to portfolio optimization and business planning
Drive operational excellence through process innovation, analytics, and continuous improvement.
Assist Managing Director, Credit Structuring in monitoring Key Performance Indicators (KPI’s) across the portfolio and ensure timely follow up with appropriate action plans to address out of compliance items are implemented and actioned by deal teams.
Directly manage annual reviews, interim reviews, quarterly /monthly monitoring requirements, and resolution of covenant, reporting, and borrowing base exceptions.
Collaborate with Credit Partners and be viewed as a Credit Leader with the capability of carrying and exercising an elevated discretionary limit
Manage and mentor team members, fostering and recognizing high-performance, collaborative culture, supporting development, and managing poor performance
Play a key role in onboarding new team members—setting them up for success through knowledge sharing, integration, and hands-on guidance
Champion a client-first approach, ensuring timely resolution of complex issues and identifying opportunities to enhance the relationship
Collaborate cross-functionally to ensure consistent delivery of credit solutions and alignment with enterprise strategy
Identifies issues, gaps and process improvements through open communication with all stakeholders
Represent the Commercial Bank in internal and external forums, including regulatory and industry engagements
Contribute to enterprise-wide initiatives and support broader strategic priorities as required
Broader work or accountabilities may be assigned as needed.