Job Title

Corporate Finance Team Overview The Corporate Finance team within Canadian Commercial Banking is part of BMO Financial Group and covers public and large private corporate clients operating in diversified industries. The team is responsible for marketing, managing, and monitoring large commercial loan portfolios, and also supporting credit requirements and crossselling efforts for other businesses including subordinated debt, equipment leasing, derivatives, cash management, and trade finance. The team assesses financing opportunities of $10,000,000 or more, both on a syndicated and bilateral basis. Job Overview The Associate Director plays a critical role in supporting the growth and riskmanagement objectives of the portfolio. This role requires a combination of advanced financial analysis, strong credit analysis, and relationshipmanagement abilities. Associate Directors contribute to client decisioning, credit structuring, and portfolio oversight, while also supporting new business development and delivering a superior client experience. Working in close partnership with the Managing Director and/or Director, the Associate Director analyzes credit information to support lending decisions and processes for new and existing commercial banking loans and credit solutions in an assigned portfolio of clients. The successful candidate may be based in Northern or Northwestern Ontario. Responsibilities Negotiate loan structures and terms and conditions that align client requirements with the bank risk appetite and policies. Assess client repayment capacity by utilizing financial models and analytical tools to recommend appropriate loan structures and collateral requirements. Sign off on new, renewal and extension loans within delegated authority. Monitor portfolio to identify deteriorating credit conditions and compliance, analyze metrics, and assess broader industry trends to spot risks and opportunities. Evaluate portfolio performance and recommend capital allocation strategies that optimize returns with investment objectives. Lead proposal development and deliver presentations to capture new business and expand client relationships. Network with industry contacts to gather competitive insights and best practices. Develop and execute business development plans focused on enhancing client relationships and growth opportunities within the portfolio. Build and maintain client relationships to ensure longterm financial performance in collaboration with Relationship Manager and business partners. Structure and support new, renewal and extension loans aligned with client needs and bank & risk policies. Conduct financial analysis and risk assessments of clients credit information, for an assigned portfolio, to provide insights and make informed decisions. Monitor the portfolio performance for assigned portfolio of Commercial Banking clients on an ongoing basis, taking corrective action when required. Minimize BMOs risk exposure by adhering to credit policies, regulatory standards, and operational guidelines. Serve as a point of contact for service requests, ensuring expectations are consistently met or exceeded. Escalate issues when needed. Support and implement initiatives to enhance service quality, acquire new business and expand client relationships. Identify revenue and crossselling opportunities to enhance portfolio growth. Identify share of wallet opportunities. Leverage analysis tools to nurture and grow a portfolio that exceeds ROE thresholds and evaluate client returns on a proactive basis. Manage timely and accurate data entry into BMO''s systems and leverage the data to support decisionmaking. Focus is primarily on business/group within BMO; may have broader, enterprisewide focus. Provide specialized consulting, analytical and technical support. Exercise judgment to identify, diagnose, and solve problems within given rules. Work independently and regularly handle nonroutine situations. 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 riskinformed decisions that align to business strategy, protect assets, and adhere to applicable policy documents, laws and regulations. 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. Bachelors 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. Foundational Level of Proficiency Structuring Deals Advanced Level of Proficiency Problem Solving Collaboration DetailOriented Customer Service Loan Structuring Regulatory Compliance Portfolio Management Credit Risk Assessment Banking Operations Microsoft Office Expert Level of Proficiency Financial analysis Salary $65,600.00 - $122,600.00 Pay Type Salaried Benefits Health insurance Tuition reimbursement Accident and life insurance Retirement savings plans BMO is committed to an inclusive, equitable and accessible workplace. Accommodations are available on request for candidates taking part in all aspects of the selection process. Equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, handicap, or protected veteran status. #J-18808-Ljbffr