Emerging Middle Market Portfolio Manager

About the role

The ideal candidate will analyze credit information to support lending decisions and processes for new and existing Commercial banking loans and credit solutions in an assigned portfolio of clients. They will make credit decisions and recommendations in compliance with bank policies and procedures while maintaining an exceptional client service environment.

Responsibilities

• Analyzes 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.
• Makes recommendations to manager regarding credit-granting decisions.
• Supports portfolio monitoring and compliance, identifying deteriorating credit conditions and ensuring compliance.
• Supports the negotiation of loan terms and conditions and the structuring of loans that align with client requirements and ensure compliance with the bank's risk appetite and policies.
• Develops proposals to capture new business and expand client relationships.
• 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.
• Maintains the portfolio performance for assigned portfolio of Commercial Banking clients on an ongoing basis, taking corrective action when required.
• 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 leverages the data to support decision-making.
• Works independently on a range of complex tasks, which may include unique situations.
• Exercises judgment to identify, diagnose, and solve problems within given rules.

Requirements

• Preferred 3 – 4 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. Any other related discipline or commensurate work experience considered.
• Technical proficiency gained through education and/or business experience. Intermediate level of proficiency: Problem Solving, Collaboration, Detail-Oriented, Analytical Thinking, Loan Structuring, Regulatory Compliance, Portfolio Management, Credit Risk Assessment, Banking Operations, Microsoft Office.

Qualifications

• Intermediate level of proficiency: Problem Solving, Collaboration, Detail-Oriented, Analytical Thinking, Loan Structuring, Regulatory Compliance, Portfolio Management, Credit Risk Assessment, Banking Operations, Microsoft Office.
• Advanced level of proficiency: Data analysis tools, Financial analysis.

Skills

• Data analysis tools
• Financial analysis

Benefits

Not specified

Pay

$69,000.00 - $127,800.00

Schedule

Not specified