Senior Director Lending Programs & Capital

BMO•Toronto, ON

12d•CA$110,500 - CA$192,500•Onsite

About The Position

Leads the definition, alignment, development, and implementation of transformational lending and portfolio strategies across commercial banking programs, with accountability for programs, capital optimization, and customer outcomes. Oversees end-to-end governance and portfolio management to drive consistent execution across lending programs, including origination and risk oversight, while ensuring alignment with business objectives, risk appetite, and capital allocation priorities.

Requirements

Typically 9+ years of relevant experience and post-secondary degree in Business or a related field of study or an equivalent combination of education and experience.
Strong experience with commercial lending portfolios/programs
In-depth commercial banking and lending portfolio management knowledge
Strong knowledge of process coordination and management.
Building business cases - in-depth
Portfolio risk management – in-depth
Capital Optimization and balance sheet management – in-depth
Portfolio analytics and concentration management – in-depth
Relationship management – in-depth
Analytics and reporting – in-depth
Financial Understanding – good/in-depth
Seasoned expert with extensive industry knowledge.
Verbal & written communication skills - Expert.
Analytical and problem solving skills - Expert.
Influence skills - Expert.
Collaboration & team skills; with a focus on cross-group collaboration - Expert.
Able to manage ambiguity.
Data driven decision making - Expert.

Responsibilities

Portfolio & Program Oversight: Lead end-to-end oversight of lending programs across business lines
Establish consistent frameworks for portfolio monitoring, reporting, and performance tracking
Ensure alignment between program objectives, risk appetite, and capital allocation
Early Risk Identification & Management: Drive forward-looking analytics and insights to identify emerging risks early
Shift the organization toward proactive vs. reactive risk management practices
Governance & Discipline: Strengthen discipline across products and government-backed programs
Enhance monitoring, controls, and governance frameworks to ensure compliance and consistency
Partner with Risk and business leaders to reinforce clear accountability and oversight
Capital Optimization: Lead strategies to optimize capital usage and improve risk-adjusted returns
Provide insights to support portfolio allocation, pricing discipline, and balance sheet efficiency