Application Deadline

06/30/2025

Address

13300 Crossroads Parkway North

Job Family Group

Commercial Sales & Service

Come join our amazing team!

We are currently searching for a C&I Commercial Portfolio Manager to join our Emerging Middle Market, Southern California Team. The main responsibility of this role is to evaluate the risk level of our Custom 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. This position is a hybrid role.

Collaborates with Relationship Managers on reasoning for 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 aspect of the request.
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. Comprehend all schedules, notes, and K-1's. Differentiates between cash and accrual method as well as comprehend 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.
Supports management of the Relationship Manager portfolio by addressing covenant violations, completing annual review/renewals, and identifying opportunities.

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.

Salary

$67,200.00 - $124,800.00

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: https://jobs.bmo.com/global/en/Total-Rewards

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 http://jobs.bmo.com/us/en

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 BMOCareers.Support@bmo.com 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.

Qualifications

The ideal candidate should have extensive knowledge in commercial loans and be able to effectively manage a portfolio
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

Benefits

$67,200.00 - $124,800.00
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

Responsibilities

The main responsibility of this role is to evaluate the risk level of our Custom commercial transactions and make well-informed decisions based on our company's guidelines and standards
Collaborates with Relationship Managers on reasoning for 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 aspect of the request
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
Comprehend all schedules, notes, and K-1's
Differentiates between cash and accrual method as well as comprehend 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
Supports management of the Relationship Manager portfolio by addressing covenant violations, completing annual review/renewals, and identifying opportunities
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
We’ll support you with the tools and resources you need to reach new milestones, as you help our customers reach theirs

Commercial Portfolio Manager (C&I) - Emerging Middle Market

Job Type