Date limite pour présenter sa candidature :

Adresse :

Groupe de famille d'emploi :

• Leads the monitoring, measurement, and reporting of the Credit Risk governance program, providing clear status updates to internal and external stakeholders.
• Oversees governance forums and maintains mandates, oversight structures, and approval protocols for governing bodies.
• Provides specialized support for regulatory requirements, as needed, ensuring alignment with internal standards and external expectations.
• Leads or contributes to the design, implementation, and management of core credit risk governance processes.
• Identifies and escalates control deficiencies in accordance with guidelines, ensuring timely remediation and effective post-implementation monitoring.
• Provides independent advice and effective challenge to business/group stakeholders on the implementation of the credit risk framework.
• Coordinates and executes oversight and governance activities, including reporting, training needs assessments, development and delivery of training, and administration of regulatory processes and procedures.
• Partners with stakeholders to enhance the consistency, transparency, and quality of risk measurement, metrics, and reporting.
• Supports the development and ongoing maintenance of the credit risk governance framework, including policy, standards, and procedures lifecycle management, as well as associated training and education.
• Maintains a strong understanding of business activities, credit risk practices, and applicable regulatory and legislative requirements.
• Coordinates and monitors the review and sign-off of regulatory reporting and attestations.
• Provides specialized consulting, analytical, and technical expertise, primarily supporting business/group needs with potential enterprise-wide impact.
• Exercises sound judgment to assess, diagnose, and resolve complex issues within established frameworks, operating independently and effectively managing non-routine situations.

Qualifications:

• Typically between 5 - 7 years of relevant experience and post-secondary degree in related field of study or an equivalent combination of education and experience.
• In-depth knowledge and understanding of credit risk management practices.
• In-depth knowledge of regulatory requirements and legal documentation.
• In-depth knowledge & experience with risk policy frameworks; quality control / testing frameworks.
• Deep knowledge and technical proficiency gained through extensive education and business experience.
• Verbal & written communication skills - In-depth.
• Collaboration & team skills - In-depth.
• Analytical and problem solving skills - In-depth.
• Influence skills - In-depth.
• Data driven decision making - In-depth.

Additional skills welcomed

• Understanding of SaaS;
• Understanding of Power BI
• Data analytics experience
• Credit risk experience

The Manager, Credit Risk Oversight and Governance reports to the Director, Credit Risk Oversight and Governance, and provides independent second‑line oversight in support of the Bank’s overall credit risk management framework. The role supports Senior Management by delivering objective assessment, challenge, and assurance over credit risk practices within the Retail Lending portfolio.

Accountabilities

• Provides independent oversight, monitoring, and reporting of credit risk for Auto Loan decision strategies, and supports the development and ongoing management of BMO’s enterprise credit risk governance framework.
• Supports relationship management with Canadian credit bureaus, including resolution of source system issues, portfolio reporting matters, project initiatives, large-scale implementations, and providing guidance to senior leadership as required.
• Accountable for governance and oversight of mortgages originated through third parties, including providing advice on policies, standards, methodologies, and controls to enhance transparency, accuracy, and consistency across the business.
• Provides governance oversight for 2nd Line Credit Risk functions, including Loan Review and Appraisal Review, ensuring alignment with established frameworks and regulatory expectations.
• Identifies, escalates, and manages emerging concerns, trends, and issues with 1st Line partners, applying effective challenge and ensuring appropriate follow-up.
• Partners with key stakeholders to deliver 2nd Line credit risk oversight, including guidance on methodologies, metrics, and program standards for assigned portfolios, ensuring compliance and clear action planning.
• Accountable for the delivery of the quarterly B‑20 dashboard, including coordination and collaboration with key stakeholders to ensure accuracy and completeness.
• Oversees the CCAP entitlement process, ensuring adherence to established standards and ongoing compliance.
• Provides governance oversight of credit qualifications, including approval of job code requirements, review and guidance on training materials developed by the 1st Line, assessment of exemption requests, and ongoing collaboration with HR and Credit Qualification Administration teams.
• Support strategic relationships and initiatives with external stakeholders (e.g., credit bureaus), and contribute to large-scale projects, data integrity improvements, and senior management reporting.

Key Traits and Approaches

• Fosters a culture aligned to BMO purpose, values and strategy and role models BMO values and behaviors in all that they do.
• Ensures alignment between values and behavior that fosters diversity and inclusion.
• Regularly connects work to BMO's purpose, sets inspirational goals, defines clear expected outcomes, and ensures clear accountability for follow through.

Successful Candidate Skills

• Guides/assists in the identification and classification of issues; recommends action plans.
• Identifies emerging issues and trends to inform decision-making.
• Researches existing or emerging requirements & related best practices to assist and develops recommendations for changes/enhancements.

Regulatory & Compliance

• Assists with the interpretation of new or changing regulations and assessing impacts to the governance frameworks.
• completes a quarterly regulatory review of all applicable OSFI B20 Artifacts; present trends and findings to senior leadership
• Ensures alignment between stakeholders.
• Part of the artifact delivery team that represents the risk program / governance structure during internal/external regulatory audits and/or examinations.
• Builds change management plans of varying scope and type; leads or participates in a variety of change management activities including readiness assessments, planning, stakeholder management, execution, evaluation and sustainment of initiatives.

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.