Description

Application Deadline: 08/14/2025

Address: 270 Dundas Street

Job Family Group: Commercial Sales & Service

Facilitates decisioning and analysis of all types of credit information to support lending decisions and processes for the bank. Maintains and promotes a client service environment to satisfy and exceed customer needs and expectations. This role will make credit decisions and recommendations in accordance with sound credit-granting principles and in compliance with Bank Policies & Procedures.

• Identifies new sales opportunities for prospects and existing commercial clients through analysis.
• May participate in on-site client visits with other internal stakeholders.
• Maintains and promotes a customer service environment which meets and exceeds customer needs and expectations.
• Recommends credit according to sound credit-granting principles.
• Exercises individually held Commercial unilateral discretionary limits and any held prescribed approval discretionary limits.
• Supports the execution of strategic initiatives in collaboration with internal and external stakeholders.
• Evaluates clients’ ability to repay loans and consults on loan structure and collateral.
• Identifies trends in client activities which may be predictive of deteriorating credit quality.
• Performs periodic reviews of credit where more frequent monitoring may be appropriate.
• Understands borrower types typical in the high net worth market and their relation to collateral ownership, loan repayment, loan structure, etc.
• Grants loan requests within specified limits, using understanding of credit scoring and risk management concepts.
• Monitors covenants of clients within assigned portfolio to identify deteriorating credit conditions and compliance with loan agreement.
• Provides accurate financial analysis and risk assessment of new and existing customers.
• Partners with internal stakeholders for accurate, detailed client information.
• Develops credit information to make lending decisions on new, renewal and extension loans.
• Assists in negotiations of terms and conditions of all decisions made via phone and e-mail interaction with clients.
• Prepares summary, present facts and offer opinions concerning credit worthiness.
• Minimizes BMO’s risk exposure by adhering to internal credit policies and procedures with respect to lending decisions.
• Provides input into the planning and implementation of operational programs.
• Builds effective relationships with internal/external stakeholders.
• 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 of complex tasks, which may include unique situations.
• Broader work or accountabilities may be assigned as needed.

Qualifications:

• Typically between 4 - 6 years of relevant experience and post-secondary degree in related field of study or an equivalent combination of education and experience.
• Technical proficiency gained through education and/or 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.