Senior Portfolio Manager Technology Banking

bmo; San Francisco (CA); On-site; USD 108,000 - 132,000; Full time

Job summary

BMO in San Francisco is seeking an experienced credit professional to underwrite and manage a technology-sector loan portfolio. You will assess credit information, negotiate structures, and ensure risk-aligned decisions while delivering exceptional client service.

The role requires strong leadership, advanced financial analysis, and cross-functional collaboration with Relationship Managers and partners across the bank.

Qualifications

• 7+ years of relevant experience in credit or lending instruments in a corporate or banking environment.
• Experience with leveraged lending and lending to technology companies.
• Bachelor's degree required; Master's degree preferred; Business Administration, Finance and Accounting preferred.
• Credit Qualifications and associated standards per portfolio requirements.

Responsibilities

• Analyzes credit information to support lending decisions and processes for Commercial loans and credit solutions.
• Underwrites and manages a diversified portfolio of technology-sector clients.
• Negotiates loan structures and terms and conditions.
• Signs off on new, renewal and extension loans within delegated authority.
• Develops comprehensive credit structures to meet transactional needs.
• Monitors covenant compliance and portfolio performance.
• Develops portfolio insights through financial analysis and risk reporting.
• Acts as trusted advisor on technology-sector credit matters.
• Builds and maintains client relationships to ensure long-term financial performance.

Skills

Loan Structuring

Credit Risk

Portfolio Management

Regulatory Compliance

Microsoft Office

Problem Solving

Customer Service

Leadership

Detail-Oriented

Education

Bachelor's degree

Master's degree (preferred)

Tools

Microsoft Excel

Job description

Application Deadline: 10/22/2026

Address: 180 Montgomery St.

Job Family Group: Commercial Sales & Service

Analyzes credit information to support lending decisions and processes for new and existing Commercial banking loans and credit solutions in an assigned portfolio of technology clients. Makes credit decisions and recommendations in compliance with bank policies and procedures while maintaining an exceptional client service environment.

Negotiates loan structures and terms and conditions that align client requirements with the bank risk appetite and policies.

Develops comprehensive credit structures to meet the transactional needs of more complex clients.

Signs off on new, renewal and extension loans within delegated authority.

Underwrite and manage a diversified portfolio of technology-sector clients, including software, SaaS, semiconductor, IT services, digital infrastructure, internet, and emerging technology companies.

Conducts comprehensive portfolio monitoring including covenant compliance to identify deteriorating credit conditions.

Conducts performance analysis, engages with clients and assesses industry trends to identify risks and opportunities.

Evaluates portfolio performance and recommends capital allocation strategies that optimize returns with investment objectives.

Handles escalated client concerns and service requests, ensuring expectations are consistently met or exceeded.

Leads complex proposal development and delivers presentations to capture new business and expand client relationships.

Engages with industry peers and networks to gather competitive insights and best practices, applying this knowledge to maintain a competitive edge.

Develop meaningful portfolio insights through financial analysis, industry research, and risk reporting.

Act as a trusted advisor and subject matter resource on technology-sector credit matters.

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.

Operates at a group/enterprise-wide level and serves as a specialist resource to senior leaders and stakeholders.

Applies expertise and thinks creatively to address unique or ambiguous situations and to find solutions to problems that can be complex and non-routine.

Implements changes in response to shifting trends.

Broader work or accountabilities may be assigned as needed.

Take measured risks while protecting the bank by applying our Risk Management Framework in the execution of your role, in line with our Risk Culture and within our approved Risk Appetite, making sound and risk informed decisions that align to business strategy, protect assets, and adhere to applicable policy documents (Frameworks, Policies, Standards, Procedures and Supporting documents), laws and regulations.

Qualifications

Preferred 7+ years of relevant experience in credit or lending instruments or financial operations in a corporate or banking environment. Experience with leveraged lending and lending to technology companies.

Bachelor's degree required, Master's degree preferred; Business Administration, Finance and Accounting preferred. Any other related discipline or commensurate work experience considered.

If a Credit Qualifiable job, Credit Qualifications and associated credit knowledge and skills according to the credit portfolio requirements and qualification standards.

Seasoned professional with a combination of education, experience and industry knowledge.

Intermediate level of proficiency

• Structuring Deals
• Change Management

Advanced level of proficiency

• Detail-Oriented
• Leadership

Expert level of proficiency

• Loan Structuring
• Regulatory Compliance
• Portfolio Management
• Credit Risk Assessment
• Banking Operations
• Financial analysis
• Microsoft Office
• Problem Solving
• Customer Service

Salary : $120,000.00 -