VP, Portfolio Manager Commercial Banking Dealer Finance

BMO•Tampa, FL

7d•$90,000 - $180,000

About The Position

Analyzes credit information to support lending decisions and processes for new and existing Dealer Finance 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, terms, and conditions that align client requirements with the bank’s risk appetite and policies. Assesses repayment capacity using financial models and analytical tools, recommends loan structures and collateral requirements, and signs off on new, renewal, and extension loans within delegated authority. Monitors portfolio performance, credit conditions, compliance, metrics, and industry trends to identify risks and opportunities. Evaluates returns and recommends capital allocation strategies. Leads proposals and presentations to capture business and expand client relationships, develops business plans, and collaborates with Relationship Managers and business partners to support long-term client performance. Provides specialized consulting, analytical, and technical support, handles non-routine situations independently, and makes sound risk-informed decisions in accordance with BMO’s Risk Management Framework, policies, applicable laws, and regulations. The role focuses primarily on a BMO business or group and may also have an enterprise-wide focus. Broader work or accountabilities may be assigned as needed.

Requirements

Preferred 5–7 years of relevant experience in credit, lending instruments, or financial operations in a corporate or banking environment.
Bachelor’s degree required; Business Administration, Finance, or Accounting preferred. Another related discipline or commensurate work experience may be considered.
For a Credit Qualifiable job, credit qualifications and associated credit knowledge and skills must meet the credit portfolio requirements and qualification standards.
Deep knowledge and technical proficiency gained through extensive education and business experience.
Foundational proficiency in structuring deals.
Advanced proficiency in problem solving, collaboration, detail orientation, customer service, loan structuring, regulatory compliance, portfolio management, credit risk assessment, banking operations, and Microsoft Office.
Expert proficiency in financial analysis.

Nice To Haves

Business Administration, Finance, or Accounting degree preferred.

Responsibilities

Analyze credit information and assess client repayment capacity to support lending decisions for an assigned Dealer Finance portfolio.
Negotiate and structure loans, including terms, conditions, and collateral requirements, in alignment with client needs and bank risk policies.
Approve new, renewal, and extension loans within delegated authority.
Monitor portfolio performance, credit conditions, compliance, and industry trends; take corrective action when required.
Evaluate portfolio performance and client returns, and recommend capital allocation strategies that optimize returns against investment objectives and ROE thresholds.
Lead proposal development and deliver presentations to win new business and expand client relationships.
Develop and execute business development plans focused on client relationships and portfolio growth.
Build and maintain client relationships in collaboration with Relationship Managers and business partners.
Provide a point of contact for service requests, meet or exceed client expectations, and escalate issues when needed.
Identify revenue, cross-selling, and share-of-wallet opportunities.
Support and implement initiatives to improve service quality, acquire business, and expand client relationships.
Manage timely and accurate data entry in BMO systems and use data to support decision-making.
Minimize bank risk exposure by following credit policies, regulatory standards, operational guidelines, and the Risk Management Framework.
Provide specialized consulting, analytical, and technical support; independently diagnose and solve problems, including non-routine situations.
Network with industry contacts to gather competitive insights and best practices.