BMO Financial Group
Senior Portfolio Manager - Commercial (Emerging Middle Market)
BMO Financial Group, Los Angeles, California, United States, 90079
Application Deadline: 02/26/2026
Address: 13300 Crossroads Parkway North
Job Family Group: Commercial Sales & Service
Overview Come join our amazing team! We are currently searching for a Senior Commercial Portfolio Manager to join our team in the Emerging Middle Market. The main responsibility of this role is to evaluate the risk level of our commercial transactions and make well-informed decisions based on our company's guidelines and standards. The ideal candidate should have extensive knowledge in commercial loans and be able to effectively manage a portfolio.
Responsibilities
Evaluates all financial statements (business and personal tax returns, fiscal year-end and interim statements and personal financial statements) for credit worthiness. Identifies recurring and non-recurring income/expenses. Comprehends all schedules, notes, and K-1's. Differentiates between cash and accrual method as UCA cash flow analysis. Consolidates related entities and summarizes results.
Identifies credit strengths, weaknesses, industry risks, and anomalies that lead to further investigation. Determines or amends applicable loan agreement covenant and monitoring requirements.
Collaborates with Relationship Managers on reasoningizinfor a particular decision, answering potential loan request questions, identifying/resolving potential problem loans.
Prepares a comprehensive credit summary in conjunction with the Relationship Managers and Credit Manager to address all material aspects of the request.
Supports management of the Relationship Manager portfolio by addressing covenant violations, completing annual review/renewals, and identifying opportunities.
Performs financial analysis and calculations, assesses client creditworthiness, and prepares detailed credit summaries to analyze financial performance and risk profiles of clients within the portfolio.
Utilizes financial models and analytical tools to assess client repayment capacity and recommend appropriate loan structures and collateral.
Supports credit‑granting decisions by making recommendations to manager.
Supports portfolio monitoring and compliance, within the portfolio to identify deteriorating credit conditions and ensure compliance.
Analyses metrics and assesses industry trends to spot risks and opportunities.
Supports the negotiation of loan terms and conditions and the structuring of loans processed to align with client requirements heutens and ensure compliance with the bank’s risk appetite and policies.
рез Develops proposals to capture new business and expand client relationships.
Builds and maintains client relationships to ensure long‑term financial performance in collaboration with Relationship Managers 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.
zzz 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 uses the data to support decision‑making.
Focus is primarily on business/group within BMO; may have broader, enterprise‑wide focus.
Exercises judgment to identify, diagnose, and solve problems within given rules.
Works independently on a range.
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Address: 13300 Crossroads Parkway North
Job Family Group: Commercial Sales & Service
Overview Come join our amazing team! We are currently searching for a Senior Commercial Portfolio Manager to join our team in the Emerging Middle Market. The main responsibility of this role is to evaluate the risk level of our commercial transactions and make well-informed decisions based on our company's guidelines and standards. The ideal candidate should have extensive knowledge in commercial loans and be able to effectively manage a portfolio.
Responsibilities
Evaluates all financial statements (business and personal tax returns, fiscal year-end and interim statements and personal financial statements) for credit worthiness. Identifies recurring and non-recurring income/expenses. Comprehends all schedules, notes, and K-1's. Differentiates between cash and accrual method as UCA cash flow analysis. Consolidates related entities and summarizes results.
Identifies credit strengths, weaknesses, industry risks, and anomalies that lead to further investigation. Determines or amends applicable loan agreement covenant and monitoring requirements.
Collaborates with Relationship Managers on reasoningizinfor a particular decision, answering potential loan request questions, identifying/resolving potential problem loans.
Prepares a comprehensive credit summary in conjunction with the Relationship Managers and Credit Manager to address all material aspects of the request.
Supports management of the Relationship Manager portfolio by addressing covenant violations, completing annual review/renewals, and identifying opportunities.
Performs financial analysis and calculations, assesses client creditworthiness, and prepares detailed credit summaries to analyze financial performance and risk profiles of clients within the portfolio.
Utilizes financial models and analytical tools to assess client repayment capacity and recommend appropriate loan structures and collateral.
Supports credit‑granting decisions by making recommendations to manager.
Supports portfolio monitoring and compliance, within the portfolio to identify deteriorating credit conditions and ensure compliance.
Analyses metrics and assesses industry trends to spot risks and opportunities.
Supports the negotiation of loan terms and conditions and the structuring of loans processed to align with client requirements heutens and ensure compliance with the bank’s risk appetite and policies.
рез Develops proposals to capture new business and expand client relationships.
Builds and maintains client relationships to ensure long‑term financial performance in collaboration with Relationship Managers 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.
zzz 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 uses the data to support decision‑making.
Focus is primarily on business/group within BMO; may have broader, enterprise‑wide focus.
Exercises judgment to identify, diagnose, and solve problems within given rules.
Works independently on a range.
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