Senior Credit Structurer – Commercial Banking

BMO U.S.; Irving (TX); On-site; USD 90,000 - 180,000; Full time

Benefits offered by this job

Health insurance

Tuition Reimbursement

Accident and life insurance

Retirement savings plans

Job summary

BMO Financial Group in Irving, TX seeks a credit professional to analyze credit information and support lending decisions for a Commercial banking loan portfolio. You will negotiate terms, assess repayment capacity, and sign off on loans within authority while monitoring risk and performance.

Responsibilities include developing client relationships, identifying cross-sell opportunities, and ensuring compliance with policies and regulatory standards.

Qualifications

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

Responsibilities

• Analyzes credit information to support lending decisions and processes for Commercial banking loans.
• Negotiates loan structures and terms aligned with client requirements and bank policies.
• Assesses repayment capacity using financial models and analytical tools.
• Signs off on new, renewal and extension loans within delegated authority.
• Monitors portfolio to identify deteriorating credit conditions and compliance.
• Develops and executes business development plans within the portfolio.
• Builds and maintains client relationships to ensure long-term financial performance.
• Structures and supports loans aligned with client needs and risk policies.
• Conducts financial analysis and risk assessments to provide informed decisions.

Skills

Financial analysis

Credit Risk Assessment

Portfolio Management

Regulatory Compliance

Loan Structuring

Problem Solving

Collaboration

Detail-Oriented

Customer Service

Structuring Deals

Microsoft Office

Banking Operations

Education

Bachelor’s degree in Business Administration, Finance or Accounting

Job description

BMO Financial Group in Irving, TX seeks a credit professional to analyze credit information and support lending decisions for a Commercial banking loan portfolio. You will negotiate terms, assess repayment capacity, and sign off on loans within authority while monitoring risk and performance.

Responsibilities include developing client relationships, identifying cross-sell opportunities, and ensuring compliance with policies and regulatory standards.