Senior Portfolio Manager, Commercial (Emerging Middle Market)

Application Deadline

04/29/2026

Address

2623 Camino Ramon

Job Family Group

Commercial Sales & Service

About the Role

Senior Commercial Portfolio Manager in the Emerging Middle Market. The main responsibility is to evaluate the risk level of commercial transactions and make well‑informed decisions based on company guidelines and standards. Ideal candidates have extensive knowledge in commercial loans and can effectively manage a portfolio.

Responsibilities

• Evaluate all financial statements (business and personal tax returns, fiscal year‑end and interim statements and personal financial statements) for creditworthiness.
• Identify recurring and non‑recurring income/expenses, comprehend all schedules, notes, and K‑1s, differentiate between cash and accrual methods and UCA cash‑flow analysis, consolidate related entities and summarize results.
• Identify credit strengths, weaknesses, industry risks, and anomalies that lead to further investigation.
• Determine or amend applicable loan agreement covenants and monitoring requirements.
• Collaborate with Relationship Managers on reasoning for a particular decision, answering potential loan‑request questions, identifying/resolving potential problem loans.
• Prepare a comprehensive credit summary with Relationship Managers and Credit Manager addressing all material aspects of the request.
• Support management of the Relationship Manager portfolio by addressing covenant violations, completing annual review/renewals, and identifying opportunities.
• Negotiate loan structures and terms that align client requirements with the bank’s risk appetite and policies.
• Assess client repayment capacity using 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 industry trends to spot risks and opportunities.
• Evaluate portfolio performance and recommend capital allocation strategies that 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.
• 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 portfolio performance 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; 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.
• Identify share of wallet opportunities.
• Leverage analysis tools to nurture and grow a portfolio that exceeds ROE thresholds and evaluate client returns proactively.
• Manage timely and accurate data entry into BMO's systems and use data to support decision‑making.
• 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.
• Take measured risks while protecting the bank by applying the Risk Management Framework in the execution of the role, in line with the Risk Culture and approved Risk Appetite, making sound and risk‑informed decisions that align to business strategy, protect assets, and adhere to applicable policy documents, laws and regulations.

Qualifications

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

Foundational level of proficiency

• Structuring Deals

Advanced level of proficiency

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

Expert level of proficiency

• Financial analysis

Salary

$88,800.00 – $165,600.00

Pay Type

Salaried

The above represents BMO Financial Group's pay range and type. Salaries will vary based on factors such as location, skills, experience, education, and qualifications for the role, and may include a commission structure. Salaries for part‑time roles will be pro‑rated based on number of hours regularly worked. For commission roles, the salary listed above represents BMO Financial Group's expected target for the first year in this position.

BMO Financial Group's total compensation package will vary based on the pay type of the position and may include performance‑based incentives, discretionary bonuses, as well as other perks and rewards. BMO also offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans. To view more details of our benefits, please visit

About Us

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.

As a member of the BMO team you are valued, respected and heard, and you have more ways to grow and make an impact. We strive to help you make an impact from day one — for yourself and our customers. We'll support you with the tools and resources you need to reach new milestones, as you help our customers reach theirs. From in‑depth training and coaching to manager support and network‑building opportunities, we'll help you gain valuable experience, and broaden your skillset.

To find out more visit us at

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.

Note to Recruiters: BMO does not accept unsolicited resumes from any source other than directly from a candidate. Any unsolicited resumes sent to BMO, directly or indirectly, will be considered BMO property. BMO will not pay a fee for any placement resulting from the receipt of an unsolicited resume. A recruiting agency must first have a valid, written and fully executed agency agreement contract for service to submit resumes.

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