Senior CRE Credit & Portfolio Leader

BMO U.S.; San Francisco (CA); In loco; USD 90.000 - 180.000; Tempo pieno

Vantaggi offerti da questo lavoro

Health insurance

Tuition reimbursement

Retirement savings plans

Descrizione del lavoro

BMO Financial Group in San Francisco seeks an experienced banking professional to analyze credit information and support lending decisions for a Commercial Banking portfolio. You will sign off on loans, monitor performance, and use financial models to determine structures and collateral, while maintaining exceptional client service.

You will lead proposals, develop business plans, and network with industry contacts to expand client relationships and growth opportunities within the portfolio.

Competenze

• Bachelor’s degree required; Business Administration, Finance and Accounting preferred.
• 5–7 years of relevant experience in credit or lending instruments or financial operations in a corporate or banking environment.
• Credit Qualifications and associated credit knowledge and skills according to the portfolio requirements and qualification standards.
• Deep knowledge and technical proficiency gained through extensive education and business experience.

Mansioni

• Negotiates loan structures and terms and conditions that align client requirements with the bank risk appetite and policies.
• Assesses client repayment capacity by utilizing 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.
• Networks with industry contacts to gather competitive insights and best practices.
• Develops and executes business development plans focused on enhancing client relationships and growth opportunities within the portfolio.
• Builds and maintains client relationships to ensure long‑term financial performance in collaboration with Relationship Manager and business partners.
• 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
• Monitors 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.

Conoscenze

Structuring Deals

Problem Solving

Collaboration

Detail‑Oriented

Customer Service

Loan Structuring

Regulatory Compliance

Portfolio Management

Credit Risk Assessment

Banking Operations

Microsoft Office

Financial analysis

Formazione

Bachelor’s degree in Business Administration/Finance/Accounting

Descrizione del lavoro

BMO Financial Group in San Francisco seeks an experienced banking professional to analyze credit information and support lending decisions for a Commercial Banking portfolio. You will sign off on loans, monitor performance, and use financial models to determine structures and collateral, while maintaining exceptional client service.

You will lead proposals, develop business plans, and network with industry contacts to expand client relationships and growth opportunities within the portfolio.