Portfolio Manager

Commercial Sales & Service Analyst

Analyzes credit information to support lending decisions and processes for new and existing Commercial banking loans and credit solutions in an assigned portfolio of clients. Makes credit decisions and recommendations in compliance with bank policies and procedures while maintaining an exceptional client service environment.

Responsibilities include :

• Negotiating loan structures and terms and conditions that align client requirements with the bank risk appetite and policies.
• Assessing client repayment capacity by utilizing financial models and analytical tools to recommend appropriate loan structures and collateral requirements.
• Signing off on new, renewal and extension loans within delegated authority.
• Monitoring portfolio to identify deteriorating credit conditions and compliance, analyzing metrics, and assessing broader industry trends to spot risks and opportunities.
• Evaluating portfolio performance and recommending capital allocation strategies that optimize returns with investment objectives.
• Leading proposal development and delivering presentations to capture new business and expand client relationships.
• Networking with industry contacts to gather competitive insights and best practices.
• Developing and executing business development plans focused on enhancing client relationships and growth opportunities within the portfolio.
• Building and maintaining client relationships to ensure long-term financial performance in collaboration with Relationship Manager and business partners.
• Structuring and supporting new, renewal and extension loans aligned with client needs and bank & risk policies.
• Conducting financial analysis and risk assessments of clients' credit information, for an assigned portfolio, to provide insights and make informed decisions.
• Monitoring the portfolio performance for assigned portfolio of Commercial Banking clients on an ongoing basis, taking corrective action when required.
• Minimizing BMO's risk exposure by adhering to credit policies, regulatory standards, and operational guidelines.
• Serving as a point of contact for service requests, ensuring expectations are consistently met or exceeded. Escalating issues when needed.
• Supporting and implementing initiatives to enhance service quality, acquire new business and expand client relationships.
• Identifying revenue and cross-selling opportunities to enhance portfolio growth.
• Identifying share of wallet opportunities.
• Leveraging analysis tools to nurture and grow a portfolio that exceeds ROE thresholds and evaluating client returns on a proactive basis.
• Managing timely and accurate data entry into BMO's systems and leveraging the data to support decision-making.
• Focus is primarily on business / group within BMO; may have broader, enterprise-wide focus.
• Providing specialized consulting, analytical and technical support.
• Exercising judgment to identify, diagnose, and solve problems within given rules.
• Working independently and regularly handling non-routine situations.
• Broader work or accountabilities may be assigned as needed.

Qualifications :

Skills :

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.

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.