Senior Financial Institutions Credit Risk Leader

BMO U.S.; Charlotte (NC); On-site; USD 130,000 - 270,000; Full time

Benefits offered by this job

Health insurance

Tuition reimbursement

Accident and life insurance

Retirement savings plans

Job summary

BMO Financial Group is seeking a senior Credit Risk leader in the United States to drive independent adjudication and oversight for Financial Institution clients. You will evaluate complex transactions, lead risk reviews, and advise senior executives on credit strategy and portfolio management.

The role emphasizes governance, stakeholder collaboration, and developing risk frameworks, with opportunities to shape risk culture and drive improvements across monitoring tools and processes.

Qualifications

• 15+ years of progressive experience in Credit Risk, Financial Institutions, Capital Markets, or Counterparty Credit Risk.
• Extensive experience analyzing and underwriting Financial Institution clients, including banks, broker-dealers and other financial intermediaries.
• Strong expertise in trading products, derivatives, securities financing transactions, and counterparty risk management.
• Deep understanding of financial statement analysis, credit underwriting, portfolio management, and capital markets risk.
• Expert knowledge of banking products, regulatory frameworks, credit policies, and risk governance practices.

Responsibilities

• Independently assess, approve, and provide recommendations on complex credit transactions involving Financial Institution counterparties.
• Evaluate counterparty credit risk, transaction structures, collateral, and risk mitigants to ensure alignment with policies.
• Monitor portfolio quality, emerging risks, and market developments to support sound credit decision‑making.
• Act as a trusted advisor to senior business and risk leaders on credit, portfolio, and strategic risk matters.
• Lead complex credit reviews, portfolio assessments, and risk management initiatives.
• Provide independent analysis and recommendations on significant transactions and emerging risk issues.

Skills

Credit risk experience

Financial Institutions

Leadership & Stakeholder mgmt

Analytical problem solving

Executive communication

Education

CFA/FRM/CPA/MBA or equivalent

Job description

BMO Financial Group is seeking a senior Credit Risk leader in the United States to drive independent adjudication and oversight for Financial Institution clients. You will evaluate complex transactions, lead risk reviews, and advise senior executives on credit strategy and portfolio management.

The role emphasizes governance, stakeholder collaboration, and developing risk frameworks, with opportunities to shape risk culture and drive improvements across monitoring tools and processes.