Senior Relationship Manager

BMO•Montreal, QC

48d•$86,000 - $160,000

About The Position

At BMO Commercial Banking, we’re always looking for the next great talent to join our teams across the province of Quebec, especially Senior Relationship Managers who are passionate about supporting local businesses. With a strong local presence and deep industry expertise, our bankers understand the unique needs of companies in our communities. We stay closely connected to the latest market news, trends, and opportunities to deliver valuable insights and tailored financial solutions. Our dedicated teams support a broad range of sectors, including Commercial Real Estate, Mid‑Market Diversified, Automobile Dealerships, Media finance, and many more. No matter the industry, we’re committed to helping businesses grow, innovate, and thrive. If you’re driven by building meaningful client relationships and making a real impact, BMO Commercial Banking offers an exciting opportunity to advance your career and help shape the future of business in Quebec.

Requirements

Typically 7+ years of relevant experience and post-secondary degree in related field of study or an equivalent combination of education and experience.
Credit Qualifications and associated credit knowledge and skills according to the established qualification standards.
Demonstrated history of successful business development, including ability to network in external markets
Experience in contract negotiations with both clients and legal counsel
Experience with Sales Strategy and Sales referral process development
Risk Management - In-depth
Sales and Service Management –In-depth
Relationship Management - In-depth
Change Leadership - Working
Conflict Management & Resolution –In-depth
Resource Planning – Working
Business Acumen – In-depth
Financial Understanding – In-depth
Strategic Thinking – Working
Seasoned professional with a combination of education, experience and industry knowledge.
Verbal & written communication skills - In-depth / Expert.
Analytical and problem solving skills - In-depth / Expert.
Influence skills - In-depth / Expert.
Collaboration & team skills; with a focus on cross-group collaboration - In-depth / Expert.
Able to manage ambiguity.
Data driven decision making - In-depth / Expert.

Responsibilities

Relationship Management & Business Development Generates new business opportunities with existing and new clients, increases share of wallet through cross-selling of BMO’s full suite of products and services.
Participates and provides leadership in Bank and community activities to increase Bank’s brand visibility and to enhance new business opportunities.
Leads the development and delivery of customized lending proposals to prospective and existing clients, while providing expertise for the financial analysis, deal structuring and credit correspondence to support the same.
Coordinates and negotiates transactions with internal and external stakeholders for terms and conditions, deal structure, loan documentation, and deal closing.
Acts as the main point of client/prospect contact and ensures a high-quality client experience, while building long-term relationships, and acts as a trusted advisor to internal and external stakeholders.
Consults regularly with internal stakeholders (i.e. Team Lead, Director Credit Structuring, Portfolio Manager, colleagues from Risk Management, Cash Management, Capital Markets, Wealth Management, and Loan Operations etc.) and external stakeholders (prospects/clients and their advisors, accountants & lawyers) as necessary to complete client-related requests, including underwriting, deal negotiation, loan documentation, and credit submissions as applicable.
Portfolio Management Collaborates with Portfolio Manager in financial analysis and risk assessment of new and existing customers regarding key credit terms such as capital structure, financial covenants, and amortization periods.
Collaborates with clients/prospects and deal team to oversee the development of financial models and other analytical tools to assist clients in evaluating capital structure and financing structure.
You will facilitate working sessions with clients and internal stakeholders to obtain buy in to finalize credit structures as appropriate (e.g. new deal or credit increase opportunities, annual reviews, restructurings etc.).
Collaborates with Associates for preparation of credit requests, new business, and annual reviews through credit/loan submissions and credit committee memos that are done in a timely manner, well written and concisely identifying relevant credit risks and mitigating factors (you will need to stay ahead of industry, economic and finance trends for the automotive sector).
As part of the analysis and underwriting of each credit opportunity, you will need to stay on top of due diligence throughout the process.
Makes credit/lending decisions and recommendations in accordance with sound credit-granting principles and in compliance with Bank Policies & Procedures.
Ensures ongoing monitoring and satisfactory management of assigned portfolio of accounts (e.g. financial statement reporting, financial covenant reporting & performance etc.), completion of annual reviews by required due dates and identifying potential problem accounts for enhanced monitoring and/or restructuring.
Internal Collaboration Collaborates with deal team and other bank-provided supporting resources to efficiently complete tasks within timelines to support client requests and deliverables (credit submissions, loan documentation etc.).
In collaboration with line of business regional leads, Associates and the other team stakeholders, manages priorities in terms of business development versus portfolio monitoring tasks/management and best sequence for execution of same.
Works with broader team members and other internal stakeholders on an as-needed basis in support of a “one team” approach to execute Business Unit strategy and achieve overall business targets/objectives.
Partners with internal stakeholders for accurate, detailed client information.
Remains current on financial and credit trending in the portfolio and communicates the same to Senior Management.
Actively shares thought leadership, best practices, and/or industry knowledge within the team and business unit.
Broader work or accountabilities may be assigned as needed.