VP Structured Underwriting Commercial Banking

BMO•Irving, TX

7d•$90,000 - $180,000

About The Position

The VP Structured Underwriting analyzes credit information and supports lending decisions and processes for new and existing Commercial Banking loans and credit solutions within an assigned client portfolio. The role makes credit decisions and recommendations in accordance with bank policies and procedures while maintaining exceptional client service. It structures and negotiates loans and assesses repayment capacity, collateral requirements, portfolio performance, client returns, and risk. The position also supports business development, strengthens client relationships, and identifies opportunities to expand revenue and share of wallet in collaboration with Relationship Managers and business partners. The role applies judgment to solve problems within established rules, works independently, and regularly handles non-routine situations. It provides specialized consulting, analytical, and technical support, and applies BMO's Risk Management Framework, approved Risk Appetite, policies, laws, and regulations when making business decisions. Broader responsibilities may be assigned as needed.

Requirements

Bachelor's degree required; Business Administration, Finance, or Accounting preferred. Another related discipline or commensurate work experience may be considered.
If the role is credit-qualifiable, meet the credit qualifications and possess the associated credit knowledge and skills required by the portfolio and qualification standards.
Foundational proficiency in structuring deals.
Advanced proficiency in problem solving, collaboration, attention to detail, customer service, loan structuring, regulatory compliance, portfolio management, credit risk assessment, banking operations, and Microsoft Office.
Expert proficiency in financial analysis.

Nice To Haves

Preferred 5–7 years of relevant experience in credit or lending instruments or financial operations in a corporate or banking environment.
Business Administration, Finance, or Accounting degree.

Responsibilities

Analyze client credit information and conduct financial analysis and risk assessments to support informed lending decisions.
Structure and support new, renewed, and extended loans in accordance with client needs and bank policies and risk appetite.
Negotiate loan structures, terms, conditions, and collateral requirements.
Assess client repayment capacity using financial models and analytical tools.
Approve or sign off on new, renewal, and extension loans within delegated authority.
Monitor portfolio performance, compliance, credit conditions, metrics, and industry trends; take corrective action when required.
Evaluate portfolio performance and client returns, and recommend capital allocation strategies that optimize returns in line with investment objectives.
Develop proposals and deliver presentations to capture 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.
Serve as a point of contact for service requests, meet or exceed expectations, and escalate issues when needed.
Support and implement initiatives to improve service quality, acquire new business, and expand client relationships.
Identify revenue, cross-selling, and share-of-wallet opportunities.
Use analysis tools to grow a portfolio that exceeds ROE thresholds and proactively evaluate client returns.
Enter data accurately and on time in BMO systems and use that data to support decision-making.
Network with industry contacts to gather competitive insights and best practices.
Minimize the bank's risk exposure by adhering to credit policies, regulatory standards, operational guidelines, and the Risk Management Framework.