BMO U.S.
Vice President, Team Lead, Credit & Portfolio Management, Emerging Middle Market
BMO U.S., Naperville, Illinois, United States, 60564
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Vice President, Team Lead, Credit & Portfolio Management, Emerging Middle Market
role at
BMO U.S.
BMO is the 8th largest bank in North America and the 4th largest commercial lender with aggressive growth ambitions in the U.S. We are driven by a single purpose: to Boldly Grow the Good in business and life. Our Purpose informs our strategy, drives our ambition, and reinforces our commitments to progress: for a thriving economy, a sustainable future, and an inclusive society.
Responsibilities
Negotiates loan structures and terms and conditions that align client requirements with the bank risk appetite and policies.
Develops comprehensive credit structures to meet the transactional needs of more complex clients.
Signs off on new, renewal and extension loans within delegated authority.
Conducts comprehensive portfolio monitoring including covenant compliance to identify deteriorating credit conditions.
Conducts performance analysis, engages with clients and assesses industry trends to identify risks and opportunities.
Evaluates portfolio performance and recommends capital allocation strategies that optimize returns with investment objectives.
Handles escalated client concerns and service requests, ensuring expectations are consistently met or exceeded.
Leads complex proposal development and delivers presentations to capture new business and expand client relationships.
Engages with industry peers and networks to gather competitive insights and best practices, applying this knowledge to maintain a competitive edge.
Builds and maintains client relationships to ensure long‑term financial performance in collaboration with Relationship Manager and business partners.
Structures and supports new, renewal and extension loans aligned with client needs and bank & risk policies.
Conducts financial analysis and risk assessments of clients’ credit information, for an assigned portfolio, to provide insights and make informed decisions.
Monitors the portfolio performance for assigned portfolio of Commercial Banking clients on an ongoing basis, taking corrective action when required.
Minimizes BMO’s risk exposure by adhering to credit policies, regulatory standards, and operational guidelines.
Serves as a point of contact for service requests, ensuring expectations are consistently met or exceeded. Escalates issues when needed.
Supports and implements initiatives to enhance service quality, acquire new business and expand client relationships.
Identifies revenue and cross‑selling opportunities to enhance portfolio growth.
Identifies share of wallet opportunities.
Leverages analysis tools to nurture and grow a portfolio that exceeds ROE thresholds and evaluates client returns on a proactive basis.
Manages timely and accurate data entry into BMO’s systems and leverages the data to support decision‑making.
Fosters a culture aligned to BMO purpose, values and strategy and role models BMO values and behaviours in all that they do.
Ensures alignment between values and behaviour 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.
Builds interdependent teams that collaborate across functional and operating groups to create the highest value for all stakeholders.
Attracts, retains, and enables the career development of top talent.
Improves team performance, recognizes and rewards performance, coaches employees, supports their development, and manages poor performance.
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
Preferred 7+ years of relevant experience in credit or lending instruments or financial operations in a corporate or banking environment.
Bachelor’s degree required, Master’s degree preferred; Business Administration, Finance and Accounting preferred. Any other related discipline or commensurate work experience considered.
If a Credit Qualifiable job, Credit Qualifications and associated credit knowledge and skills according to the credit portfolio requirements and qualification standards.
Seasoned professional with a combination of education, experience and industry knowledge.
Salary Salary:
$122,400.00 – $228,000.00
Pay Type:
Salaried
Benefits BMO also offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans. To view more details of our benefits, please visit Total Rewards.
EEO Statement BMO is proud to be an equal employment opportunity employer. We evaluate applicants without regard to race, religion, color, national origin, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, transgender status, sexual stereotypes, age, status as a protected veteran, status as an individual with a disability, or any other legally protected characteristics. We also consider applicants with criminal histories, consistent with applicable federal, state and local law. BMO is committed to working with and providing reasonable accommodations to individuals with disabilities. If you need a reasonable accommodation because of a disability for any part of the employment process, please send an e‑mail to BMOCareers.Support@bmo.com and let us know the nature of your request and your contact information.
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Vice President, Team Lead, Credit & Portfolio Management, Emerging Middle Market
role at
BMO U.S.
BMO is the 8th largest bank in North America and the 4th largest commercial lender with aggressive growth ambitions in the U.S. We are driven by a single purpose: to Boldly Grow the Good in business and life. Our Purpose informs our strategy, drives our ambition, and reinforces our commitments to progress: for a thriving economy, a sustainable future, and an inclusive society.
Responsibilities
Negotiates loan structures and terms and conditions that align client requirements with the bank risk appetite and policies.
Develops comprehensive credit structures to meet the transactional needs of more complex clients.
Signs off on new, renewal and extension loans within delegated authority.
Conducts comprehensive portfolio monitoring including covenant compliance to identify deteriorating credit conditions.
Conducts performance analysis, engages with clients and assesses industry trends to identify risks and opportunities.
Evaluates portfolio performance and recommends capital allocation strategies that optimize returns with investment objectives.
Handles escalated client concerns and service requests, ensuring expectations are consistently met or exceeded.
Leads complex proposal development and delivers presentations to capture new business and expand client relationships.
Engages with industry peers and networks to gather competitive insights and best practices, applying this knowledge to maintain a competitive edge.
Builds and maintains client relationships to ensure long‑term financial performance in collaboration with Relationship Manager and business partners.
Structures and supports new, renewal and extension loans aligned with client needs and bank & risk policies.
Conducts financial analysis and risk assessments of clients’ credit information, for an assigned portfolio, to provide insights and make informed decisions.
Monitors the portfolio performance for assigned portfolio of Commercial Banking clients on an ongoing basis, taking corrective action when required.
Minimizes BMO’s risk exposure by adhering to credit policies, regulatory standards, and operational guidelines.
Serves as a point of contact for service requests, ensuring expectations are consistently met or exceeded. Escalates issues when needed.
Supports and implements initiatives to enhance service quality, acquire new business and expand client relationships.
Identifies revenue and cross‑selling opportunities to enhance portfolio growth.
Identifies share of wallet opportunities.
Leverages analysis tools to nurture and grow a portfolio that exceeds ROE thresholds and evaluates client returns on a proactive basis.
Manages timely and accurate data entry into BMO’s systems and leverages the data to support decision‑making.
Fosters a culture aligned to BMO purpose, values and strategy and role models BMO values and behaviours in all that they do.
Ensures alignment between values and behaviour 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.
Builds interdependent teams that collaborate across functional and operating groups to create the highest value for all stakeholders.
Attracts, retains, and enables the career development of top talent.
Improves team performance, recognizes and rewards performance, coaches employees, supports their development, and manages poor performance.
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
Preferred 7+ years of relevant experience in credit or lending instruments or financial operations in a corporate or banking environment.
Bachelor’s degree required, Master’s degree preferred; Business Administration, Finance and Accounting preferred. Any other related discipline or commensurate work experience considered.
If a Credit Qualifiable job, Credit Qualifications and associated credit knowledge and skills according to the credit portfolio requirements and qualification standards.
Seasoned professional with a combination of education, experience and industry knowledge.
Salary Salary:
$122,400.00 – $228,000.00
Pay Type:
Salaried
Benefits BMO also offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans. To view more details of our benefits, please visit Total Rewards.
EEO Statement BMO is proud to be an equal employment opportunity employer. We evaluate applicants without regard to race, religion, color, national origin, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, transgender status, sexual stereotypes, age, status as a protected veteran, status as an individual with a disability, or any other legally protected characteristics. We also consider applicants with criminal histories, consistent with applicable federal, state and local law. BMO is committed to working with and providing reasonable accommodations to individuals with disabilities. If you need a reasonable accommodation because of a disability for any part of the employment process, please send an e‑mail to BMOCareers.Support@bmo.com and let us know the nature of your request and your contact information.
#J-18808-Ljbffr