Vice President, Team Lead - Portfolio Manager, Commercial (Emerging Middle Marke

Vice President, Team Lead - Portfolio Manager, Commercial (Emerging Middle Market)

Overview

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.

The Emerging Middle Market segmentation targets companies with revenues between Ten Million to Fifty Million USD.

Responsibilities

• Analyze credit information to support lending decisions and processes for new and existing commercial banking loans and credit solutions.
• Make credit decisions and recommendations in compliance with bank policies and procedures while maintaining an exceptional client service environment.
• Negotiate loan structures and terms that align client requirements with the bank’s risk appetite and policies.
• Assess client repayment capacity by utilizing financial models and analytical tools to recommend appropriate loan structures and collateral requirements.
• Sign off on new, renewal, and extension loans within delegated authority.
• Monitor portfolio to identify deteriorating credit conditions and compliance, analyze metrics, and assess broader industry trends to spot risks and opportunities.
• Evaluate portfolio performance and recommend capital allocation strategies to optimize returns with investment objectives.
• Lead proposal development and deliver presentations to capture new business and expand client relationships.
• Network with industry contacts to gather competitive insights and best practices.
• Develop and execute business development plans focused on enhancing client relationships and growth opportunities within the portfolio.
• Build and maintain client relationships to ensure long-term financial performance in collaboration with Relationship Manager and business partners.
• Structure and support new, renewal, and extension loans aligned with client needs and bank & risk policies.
• Conduct financial analysis and risk assessments of clients’ credit information for an assigned portfolio to provide insights and make informed decisions.
• Monitor the portfolio performance for assigned commercial banking clients on an ongoing basis, taking corrective action when required.
• Minimize BMO’s risk exposure by adhering to credit policies, regulatory standards, and operational guidelines.
• Serve as a point of contact for service requests, ensuring expectations are consistently met or exceeded, and escalating issues when needed.
• Support and implement initiatives to enhance service quality, acquire new business, and expand client relationships.
• Identify revenue and cross‑selling opportunities to enhance portfolio growth.
• Leverage analysis tools to nurture and grow a portfolio that exceeds ROE thresholds and evaluate client returns on a proactive basis.
• Manage timely and accurate data entry into BMO’s systems and leverage the data to support decision‑making.
• Foster a culture aligned to BMO purpose, values, and strategy, and role‑model BMO values and behaviours in all that they do.
• Ensure alignment between values and behaviour that fosters diversity and inclusion.
• Regularly connect work to BMO’s purpose, set inspirational goals, define clear expected outcomes, and ensure clear accountability for follow‑through.
• Build interdependent teams that collaborate across functional and operating groups to create the highest value for all stakeholders.
• Attract, retain, and enable the career development of top talent.
• Improve team performance, recognize and reward performance, coach employees, support their development, and manage poor performance.
• Focus primarily on business/group within BMO; may have broader, enterprise‑wide focus.
• Provide specialized consulting, analytical, and technical support.
• Exercise judgment to identify, diagnose, and solve problems within given rules.
• Work independently and regularly handle non‑routine situations.
• Broader work or accountabilities may be assigned as needed.

Qualifications

• Preferred 5–7 years of relevant experience in credit or lending instruments or financial operations in a corporate or banking environment.
• Bachelor’s degree required; Business Administration, Finance, and Accounting preferred. Any other related discipline or commensurate work experience considered.
• Credit‑qualifiable job: credit qualifications and associated credit knowledge and skills according to the credit portfolio requirements and qualification standards.
• Deep knowledge and technical proficiency gained through extensive education and business experience.

Proficiency Levels

Foundational:

• Structuring Deals

Advanced:

• Problem Solving
• Collaboration
• Detail‑Oriented
• Customer Service
• Loan Structuring
• Regulatory Compliance
• Portfolio Management
• Credit Risk Assessment
• Banking Operations
• Microsoft Office

Expert:

• Financial Analysis

Salary & Benefits

Salary Range: $88,800.00 – $165,600.00

Pay Type: Salaried (may include commission structure)

BMO Financial Group offers a total compensation package that may include performance‑based incentives, discretionary bonuses, and other perks and rewards. Health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans are also available. For more details of our benefits visit BMO Total Rewards .

About BMO

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.

Equal Opportunity Employer

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 and let us know the nature of your request and your contact information.

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