Application Deadline:08/07/2025

Address:100 King Street West

Commercial Sales & Service

Facilitates risk management and growth initiatives for the Commercial Bank while managing portfolio level credit risk within a large, diversified portfolio of commercial banking clients, working closely with the business to ensure that credit risk is appropriately assessed, monitored, and managed in line within the Bank’s risk appetite and regulatory requirements. This role is essential in balancing revenue generation with prudent risk-taking. By working closely with the business, the portfolio manager ensures that risk-adjusted returns are optimized, and credit losses are avoided.

• Monitors and manages credit exposure across a large portfolio of commercial clients.
• Tracks portfolio performance, credit quality, and exceptions and generates risk reporting.
• Identifies portfolio risks (industry, product, geographic) and proposes mitigation strategies.  
• Advises on sales and risk management strategies based on a deep understanding of the market, relevant industry verticals, market competitors, client needs and business growth opportunities.
• Analyses trends to identify concentrations or emerging risks and opportunities.
• Operates at a group/enterprise-wide level and serves as a specialist resource to senior leaders and stakeholders.
• Makes recommendations to senior leaders on strategy and new initiatives, based on an in-depth understanding of the business/group.
• Presents insights to senior leaders or risk committees.
• Provides strategic input into business decisions and acts as a risk partner to commercial bankers.
• Helps implement credit policy changes and portfolio strategies.
• Conducts independent analysis and assessment to resolve tactical and strategic issues.
• Recommends business priorities, advises on resource requirements and develops roadmap for strategic execution.
• Networks with industry contacts to gain competitive insights and best practices.
• Coordinates the management of databases and dashboards; ensures alignment and integration of data in adherence with data governance standards.
• Leads change management programs of varying scope and type.
• Tracks implementation requests to keep the process on track with timelines.
• Tracks internal reports and recommends improvements to support materials based on findings and feedback.
• Provides research and data gathering to facilitate solutions to the businesses and its needs.
• Applies expertise and thinks creatively to address unique or ambiguous situations and to find solutions to problems that can be complex and non-routine.
• Implements changes in response to shifting trends.
• Broader work or accountabilities may be assigned as needed.

Qualifications:

• Typically, 7+ years of relevant experience and post-secondary degree in related field of study or an equivalent combination of education and experience
• Analytical and problem-solving skills - In-depth / Expert
• Data driven decision making - In-depth / Expert
• Strong credit analysis and financial modeling experience
• Knowledge of commercial banking products
• Familiarity with loan structures, covenant tracking, and collateral types
• Familiarity with regulatory frameworks
• Experience with credit risk rating systems and portfolio management tools
• Demonstrated knowledge of relevant industry verticals and market’s competitive environment
• Experience in negotiations
• Experience with Sales Strategy and Sales referral process development
• Risk Management - In-depth
• Change Leadership – In-depth
• Conflict Management & Resolution –Working
• Resource Planning – In-depth
• Financial and Working Capital Understanding – In-depth
• Strategic Thinking – In-depth
• Verbal & written communication skills - In-depth / Expert
• Influence skills - In-depth / Expert
• Collaboration & team skills; with a focus on cross-group collaboration - In-depth / Expert
• Works with autonomy and can manage ambiguity

$86,000.00 - $160,000.00

Salaried

The above represents BMO Financial Group’s pay range and type.

Salaries will vary based on factors such as location, skills, experience, education, and qualifications for the role, and may include a commission structure. Salaries for part-time roles will be pro-rated based on number of hours regularly worked. For commission roles, the salary listed above represents BMO Financial Group’s expected target for the first year in this position.

BMO Financial Group’s total compensation package will vary based on the pay type of the position and may include performance-based incentives, discretionary bonuses, as well as other perks and rewards. BMO also offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans. To view more details of our benefits, please visit: https://jobs.bmo.com/global/en/Total-Rewards

About Us

At BMO we are driven by a shared Purpose: Boldly Grow the Good in business and life. It calls on us to create lasting, positive change for our customers, our communities and our people. By working together, innovating and pushing boundaries, we transform lives and businesses, and power economic growth around the world.

As a member of the BMO team you are valued, respected and heard, and you have more ways to grow and make an impact. We strive to help you make an impact from day one – for yourself and our customers. We’ll support you with the tools and resources you need to reach new milestones, as you help our customers reach theirs. From in-depth training and coaching, to manager support and network-building opportunities, we’ll help you gain valuable experience, and broaden your skillset.

To find out more visit us at https://jobs.bmo.com/ca/en.

BMO is committed to an inclusive, equitable and accessible workplace. By learning from each other’s differences, we gain strength through our people and our perspectives. Accommodations are available on request for candidates taking part in all aspects of the selection process. To request accommodation, please contact your recruiter.

Note to Recruiters: BMO does not accept unsolicited resumes from any source other than directly from a candidate. Any unsolicited resumes sent to BMO, directly or indirectly, will be considered BMO property. BMO will not pay a fee for any placement resulting from the receipt of an unsolicited resume. A recruiting agency must first have a valid, written and fully executed agency agreement contract for service to submit resumes.