Associate director

BMO Financial Group; Toronto; On-site; CAD 69,000 - 129,000; Full time

Job summary

A prominent financial institution in Toronto seeks an experienced Associate Director to manage a growing commercial banking portfolio. This role includes making credit decisions, providing exceptional client service, and managing portfolio performance. The ideal candidate will have 5-7 years of relevant experience and strong analytical and communication skills. A deep understanding of MS Office tools is essential. The position offers a competitive salary range of $69,000 - $129,000 annually, along with comprehensive benefits including health insurance and retirement plans.

Benefits

Health insurance

Tuition reimbursement

Retirement savings plans

Performance-based incentives

Discretionary bonuses

Qualifications

• 5 - 7 years of relevant experience in commercial banking.
• Strong verbal and written communication skills.
• Ability to handle multiple tasks in a fast-paced environment.

Responsibilities

• Manage account portfolio with market leading customer service.
• Make credit decisions and recommendations on deal structure.
• Monitor and manage portfolio performance and compliance.

Skills

Analytical skills

Communication skills

Team collaboration

Problem solving

Influence skills

Data-driven decision making

Education

Post-secondary degree in related field

Tools

MS Office (Word, Excel, PowerPoint, Copilot)

Job description

Application Deadline: 12/25/2025

Address: 100 King Street West

Job Family Group: Commercial Sales & Service

The Associate Director is part of a team that is responsible for account management of a growing commercial banking portfolio. The Associate Director covers an assigned portfolio of clients bringing market leading customer service. These individuals are able to make credit decisions and recommendations regarding deal structure in compliance with bank policies and procedures, while maintaining an exceptional level of client service. The Associate Director is accountable for overall portfolio management including, but not limited to, credit underwriting, monthly or quarterly compliance monitoring and day-to-day client requirements.

This is an in-office role with the Greater Toronto Corporate Finance team. We are looking for high-performing, passionate individuals who can operate in a fast-pace, changing environment.

Role Requirements and Accountabilities

• Analyze credit information to support lending decisions for new, renewal and extension of lending authorizations, as well as to offer recommendations regarding credit worthiness of existing or prospective clients.
• Assesses client repayment capacity by utilizing financial models and analytical tools to recommend appropriate loan structures and collateral requirements.
• Structures lending authorizations to align with client needs and bank risk appetite.
• Monitors portfolio to identify deteriorating credit conditions and compliance, analyses metrics, and assesses broader industry trends to spot risks and opportunities.
• Monitors the portfolio performance for assigned portfolio of clients on an ongoing basis, taking corrective action when required.
• Manages timely and accurate financial data entry into BMO's systems and leverages the outcome to support decision-making.
• Minimizes BMO’s risk exposure by adhering to internal credit policies and procedures with respect to lending decisions.
• Coordinates deal closings with internal funding department, clients and legal counsel.
• 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 client service quality, acquire new business and expand client relationships.
• Networks with industry contacts to gather competitive insights and best practices
• Builds effective relationships with internal and external stakeholders.
• Develops and executes business development plans focused on enhancing client relationships and growth opportunities within the portfolio.
• Broader work or accountabilities may be assigned as needed.

Additional Skill Requirements

• Manages multiple tasks with competing priorities in a fast-paced environment.
• Exercises judgment to identify, diagnose, and solve problems within BMO policy and risk appetite.
• Works independently and regularly handles non-routine situations.

Qualifications

• Typically between 5 - 7 years of relevant experience and post-secondary degree in related field of study or an equivalent combination of education and experience.
• MS Office Skills (Word, Excel, Powerpoint, Copilot) – In-depth
• Verbal and written communication skills - In-depth.
• Collaboration and team skills - In-depth.
• Analytical and problem solving skills - In-depth.
• Influence skills - In-depth.
• Data driven decision making - In-depth.

Salary

$69,000.00 - $129,000.00

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 the 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 https://jobs.bmo.com/ca/en .

BMO is committed to an inclusive, equitable and accessible workplace. By learning from each other’s differences, we gain strength through our people and our perspectives. Accommodations are available on request for candidates taking part in all aspects of the selection process. To request accommodation, please contact your recruiter.