Credit Structuring Specialist, Commercial Banking

BMO; Montreal; On-site; CAD 70,000 - 150,000; Full time

Benefits offered by this job

Health insurance

Tuition reimbursement

Accident and life insurance

Retirement savings plans

Job summary

BMO's Real Estate Finance Group is a specialized commercial banking team providing construction financing, commercial mortgages, development loans and investment property financing to builders, developers and real estate investors across Canada.

This role concentrates on structuring deals, credit analysis, and portfolio management, while developing client relationships and expanding business opportunities within disciplined risk guidelines.

Qualifications

• Preferred 5 – 7 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.
• Deep knowledge and technical proficiency gained through extensive education and business experience.

Responsibilities

• Negotiates loan structures and terms aligned with client requirements and bank risk appetite.
• Assesses client repayment capacity using financial models and analytical tools to recommend appropriate loan structures and collateral requirements.
• Signs off on new, renewal and extension loans within delegated authority.
• Monitors portfolio to identify deteriorating credit conditions and compliance, analyses metrics, and assesses broader industry trends to spot risks and opportunities.
• Evaluates portfolio performance and recommends capital allocation strategies that optimize returns with investment objectives.
• Leads proposal development and delivers presentations to capture new business and expand client relationships.

Skills

Financial analysis

Credit risk assessment

Loan structuring

Regulatory compliance

Portfolio management

Microsoft Office

Problem Solving

Collaboration

Detail-Oriented

Customer Service

Education

Bachelor's degree in Business Administration, Finance or Accounting

Tools

Microsoft Office

Job description

BMO's Real Estate Finance Group is a specialized commercial banking team providing construction financing, commercial mortgages, development loans and investment property financing to builders, developers and real estate investors across Canada.

This role concentrates on structuring deals, credit analysis, and portfolio management, while developing client relationships and expanding business opportunities within disciplined risk guidelines.