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Oversees the Field Examination and Appraisal functions for the Asset Based Lending line of business.  Completes wholistic review of processes to ensure alignment with market standards, ensuring best in class delivery for BMO.  National mandate.

• Complete reviews of ABL field exams, scope and market standards to ensure BMO has best in class and most efficient processes
• Ensure field exams and appraisals are completed on time and at the quality expected by BMO
• Maintain a roster of the best 3rd party ABL suppliers to adequately meet our needs
• Assist in developing and implementing ABL processes that ensure management of credit risk and operational risk
• Provide exceptional customer service to existing customers and achieve NPS target
• Assist in on-boarding new customers, explaining reporting
• Maintain strong relationships with existing clients and provide exceptional customer service
• Satisfactory Internal Audit results
• Train staff in collateral and other matters
• Assist new business and portfolio management with collateral issues, engage with customers where warranted
• Makes recommendations to senior leaders on strategy and new initiatives, based on an in-depth understanding of the business/group
• Acts as a subject matter expert on relevant regulations and policies
• Advises on sales strategy based on a deep understanding of the market, relevant industry verticals, market competitors, client needs and business growth opportunities
• Work closely with our partners when required – internal and external

• Coordinates, reviews and distributes Field Examinations and Reports on existing Borrowers, to be utilized by the line of business to make informed approval/credit decisions. Validates that the borrower is reporting collateral values and ineligibles/ reserves accurately to protect the bank from advancing funds more than the actual collateral value
• Uses a high level of independent judgment and discretion to determine the credit quality of the collateral that is pledged to secure loans. Independently determines what constitutes an emerging risk trend based on knowledge of the portfolio, industry and general macroeconomic environment. Identifies and elevates potential problem credit accounts, deteriorating collateral or financial situations, suspected fraudulent activity, or any other potential weaknesses which place the bank at risk
• Participates in meetings with the Deal Team (Field Examiners, Appraisers, Underwriters, portfolio management teams) and/or prospective Borrower representatives (typically the CFO, CEO and/or Controller of the company) to clarify any collateral issues/areas of concern. Participates in New Business Credit Committee approvals highlighting all Field Examination and/or collateral issues or concerns on prospective borrowers
• Communicate and interface with the various parties associated with the New Business Engagement; including third party vendors, legal advisors, accounting firms, appraisers, and various partners such as equity sponsors and investments bankers during the course of a new business engagement
• Reviews New Business Survey and Prefund Field Examinations Reports and supporting workpapers (documentation of all procedures performed) that (i) highlight relevant findings and material variances found, conclusions reached, and related recommendations for improvement, (ii) are consistent with established credit quality control standards and with internal policies and procedures. Ensures that the New Business Field Examination due diligence and related Report validates the integrity of the collateral and that accurately identifies the credit quality of such collateral. New Business Field Examination Reports are utilized by the line of business to determine the initial credit quality of the Collateral that will be used to secure the proposed loan in order to make informed approval/credit decisions
• Responsible for the initial Borrowing Base Certificate (gross collateral, ineligibles, reserves, etc.), which determines the Eligible Revolver Availability on the day of funding, in addition to on-going collateral reporting requirement for the new Borrower. Ensures that the initial Borrowing Base is in compliance with credit policy and bank guidelines. Validates / authorizes that the initial Borrowing Base Certificate is accurate and meets collateral / lending criteria within the confines of the deal structure and that the prospective borrower has met or will meet the minimum availability requirement as indicated in the Credit Underwriting Memo/Offering
• Ensures timely submission of all required New Business Field Examination Reports. Coordinates New Business Survey and Prefund Field Examinations. Works with the Scheduling Coordinators to properly staff New Business Field Examinations based on Field Examination size, complexity and the individual Examiners experience level as well as to maximize the overall groups productivity and efficiency
• Manages an approved list of external field exam and appraisal firms. Engage field exam and appraisers and execute engagement letters when required
• Responsible for having field exam and appraisal invoices paid by clients. In this regard, ensure invoices are consistent with engagement letters and client expectations
• May network with industry contacts to gain competitive insights and best practices
• Maintains accurate documentation and ensure adherence to prescribed policies and procedures and overall safety of the Bank’s position
• Leads the execution of operational programs; assesses and adapts as needed to ensure quality of execution
• Tracks implementation requests to keep the process on track with timelines.
• Tracks Internal reports and recommends improvements to sales support materials based on findings and feedback
• Provides research and data gathering to sales team to facilitate solution to the client’s/prospect’s business and needs
• Assists with sales and service administration and processing ensuring client experience is seamless and opportunities are identified and met
• Operates at a group/enterprise-wide level and serves as a specialist resource to senior leaders and stakeholders
• 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

Facilitates growth initiatives for the Bank through significant business development and excellent management of key client relationships. Maintains an outstanding and continuous record of significant revenue generation from sales and syndications. Ensures the required internal control standards, including adherence to audit, regulatory and compliance policies.

• Leads and executes business development plans to that business goals are achieved or exceeded.
• Provides strategic input into business decisions as a trusted advisor.
• Makes recommendations to senior leaders on strategy and new initiatives, based on an in-depth understanding of the business/group.
• Acts as a subject matter expert on relevant regulations and policies.
• Advises on sales strategy based on a deep understanding of the market, relevant industry verticals, market competitors, client needs and business growth opportunities.
• Conducts independent analysis and assessment to resolve strategic issues.
• Develops the business case by identifying needs, analysing potential options and assessing expected return on investment.
• Recommends business priorities, advises on resource requirements and develops roadmap for strategic execution.
• May network with industry contacts to gain competitive insights and best practices.
• Coordinates the management of databases; ensures alignment and integration of data in adherence with data governance standards.
• Leads change management programs of varying scope and type, including readiness assessments, planning, stakeholder management, execution, evaluation and sustainment of initiatives.
• Manages the risk of the assigned complex portfolio in a timely and precise manner.
• Directly manage the annual review process, interim reviews, specified quarterly reports and resolution of exceptions.
• Maintains accurate documentation and ensure adherence to prescribed policies and procedures and overall safety of the Bank’s position.
• Leads the execution of operational programs; assesses and adapts as needed to ensure quality of execution.
• Acts as daily sales contact for clients on sales related questions such as product information, pricing, implementation timeframes and requirements.
• Gathers data to advance sale process and completes all required documentation.
• Assists team in pre-sales activities such as pitch preparation, client research, preparation of prospect and client files for further action.
• Tracks implementation requests to keep the process on track with timelines.
• Tracks Internal reports and recommends improvements to sales support materials based on findings and feedback.
• Compiles pre-call and post call information packages by accessing internal systems and bank personnel to validate client holdings, pricing, and volumes.
• Provides research and data gathering to sales team to facilitate solution to the client’s/prospect’s business and needs.
• Assists with sales and service administration and processing ensuring client experience is seamless and opportunities are identified and met.
• Maintains current client information on Bank system/files to ensure client history is accurate and complete.
• Ensures accurate billing to clients.
• Operates at a group/enterprise-wide level and serves as a specialist resource to senior leaders and stakeholders.
• 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.
• If a Credit Qualifiable job, 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
• Demonstrated knowledge of relevant industry verticals and market’s competitive environment
• Experience in contact negotiations with both clients and legal counsel
• Experience drafting responses to complex RFPs
• 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 and Working Capital 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.

Salaire :

Type de rémunération :

Ce qui précède représente la fourchette et le type de rémunération de BMO Groupe financier.

Les salaires varieront en fonction de facteurs comme l’emplacement, les compétences, l’expérience, les études et les qualifications pour le poste et pourront inclure une structure de commissions. Les salaires pour les postes à temps partiel seront calculés au prorata du nombre d’heures travaillées régulièrement. Pour les rôles à commission, le salaire susmentionné représente la cible de BMO Groupe financier pour la première année au poste.

La rémunération totale offerte par BMO variera selon le type de rémunération associé au poste et peut comprendre des primes de rendement, des primes discrétionnaires ainsi que d’autres avantages et récompenses. BMO offre également une assurance santé, le remboursement des frais de scolarité, une assurance accident et une assurance vie, ainsi que des régimes d’épargne-retraite. Pour en savoir plus sur nos avantages sociaux, consultez le site : https://jobs.bmo.com/ca/fr/R%C3%A9mun%C3%A9ration-globale

À propos de nous

À BMO, nous sommes animés par une raison d’être commune : Avoir le cran de faire une différence dans la vie, comme en affaires. Cette raison d’être nous invite à entraîner des changements positifs et durables pour nos clients, nos collectivités et nos gens. En travaillant ensemble, en innovant et en repoussant les limites, nous transformons des vies et des entreprises et favorisons la croissance économique partout dans le monde.

En tant que membre de l'équipe de BMO, vous êtes valorisé, respecté et entendu, et vous avez plus de moyens pour progresser et obtenir des résultats. Nous nous efforçons de vous aider à obtenir des résultats dès le premier jour, pour vous-même et nos clients. Nous vous offrirons les outils et les ressources dont vous avez besoin pour franchir de nouvelles étapes, car vous aidez nos clients à franchir les leurs. Au moyen de formation et de coaching approfondis ainsi que de soutien de la direction et d'occasions de réseautage, nous vous aiderons à acquérir une expérience enrichissante et à élargir votre groupe de compétences.

Pour en savoir plus, visitez-nous à l'adresse https://jobs.bmo.com/ca/fr.

BMO s'engage à offrir un milieu de travail inclusif, équitable et accessible. Nous apprenons de nos différences et tirons notre force des gens et de leurs différents points de vue. Des mesures d’adaptation sont disponibles sur demande pour les candidats qui participent à tous les aspects du processus de sélection. Pour demander des mesures d’adaptation, veuillez communiquer avec votre recruteur.

Remarque aux recruteurs : BMO n’accepte pas les curriculum vitæ non sollicités provenant de toute source autre que le candidat directement. Tout curriculum vitæ non sollicité envoyé à BMO, directement ou indirectement, sera considéré comme la propriété de BMO. BMO ne paiera aucuns frais pour les placements découlant de la réception d’un curriculum vitæ non sollicité. Une agence de recrutement doit d’abord détenir une entente de service écrite valide et dûment signée avant d’envoyer des curriculum vitæ.