Vice President, Team Lead, Credit & Portfolio Management, Emerging Middle Market

Commercial Banking Loan Officer

Location : Naperville, IL, USA

Job Family : Commercial Sales & Service

Application Deadline : 11 / 20 / 2025

Address : 503 N. Washington Street

BMO is the 8th largest bank in North America and the 4th largest commercial lender with aggressive growth ambitions in the U.S. We are driven by a single purpose : to Boldly Grow the Good in business and life. Our Purpose informs our strategy, drives our ambition, and reinforces our commitments to progress : for a thriving economy, a sustainable future, and an inclusive society.

Ideal candidate 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. Makes credit decisions and recommendations in compliance with bank policies and procedures while maintaining an exceptional client service environment.

Responsibilities include :

• Negotiating loan structures and terms and conditions that align client requirements with the bank risk appetite and policies.
• Developing comprehensive credit structures to meet the transactional needs of more complex clients.
• Signing off on new, renewal, and extension loans within delegated authority.
• Conducting comprehensive portfolio monitoring including covenant compliance to identify deteriorating credit conditions.
• Conducting performance analysis, engaging with clients, and assessing industry trends to identify risks and opportunities.
• Evaluating portfolio performance and recommending capital allocation strategies that optimize returns with investment objectives.
• Handling escalated client concerns and service requests, ensuring expectations are consistently met or exceeded.
• Leading complex proposal development and delivering presentations to capture new business and expand client relationships.
• Engaging with industry peers and networks to gather competitive insights and best practices, applying this knowledge to maintain a competitive edge.
• Building and maintaining client relationships to ensure long-term financial performance in collaboration with Relationship Manager and business partners.
• Structuring and supporting new, renewal, and extension loans aligned with client needs and bank & risk policies.
• Conducting financial analysis and risk assessments of clients' credit information, for an assigned portfolio, to provide insights and make informed decisions.
• Monitoring the portfolio performance for assigned portfolio of Commercial Banking clients on an ongoing basis, taking corrective action when required.
• Minimizing BMO's risk exposure by adhering to credit policies, regulatory standards, and operational guidelines.
• Serving as a point of contact for service requests, ensuring expectations are consistently met or exceeded. Escalating issues when needed.
• Supporting and implementing initiatives to enhance service quality, acquire new business, and expand client relationships.
• Identifying revenue and cross-selling opportunities to enhance portfolio growth.
• Identifying share of wallet opportunities.
• Leveraging analysis tools to nurture and grow a portfolio that exceeds ROE thresholds and evaluates client returns on a proactive basis.
• Managing timely and accurate data entry into BMO's systems and leveraging the data to support decision-making.
• Fostering a culture aligned to BMO purpose, values, and strategy and role models BMO values and behaviors in all that they do.
• Ensuring alignment between values and behavior that fosters diversity and inclusion.
• Regularly connecting work to BMO's purpose, setting inspirational goals, defining clear expected outcomes, and ensuring clear accountability for follow-through.
• Building interdependent teams that collaborate across functional and operating groups to create the highest value for all stakeholders.
• Attracting, retaining, and enabling the career development of top talent.
• Improving team performance, recognizing and rewarding performance, coaching employees, supporting their development, and managing poor performance.
• Operating at a group / enterprise-wide level and serving as a specialist resource to senior leaders and stakeholders.
• Applying expertise and thinking creatively to address unique or ambiguous situations and to find solutions to problems that can be complex and non-routine.
• Implementing changes in response to shifting trends.
• Broader work or accountabilities may be assigned as needed.

Qualifications :

Salary : $122,400.00 - $228,000.00

Pay Type : Salaried

The above represents BMO Financial Group's pay range and type. Salaries will vary based on factors such as location, skills, experience, education, and qualifications for the role, and may include a commission structure. Salaries for part-time roles will be pro-rated based on number of hours regularly worked. For commission roles, the salary listed above represents BMO Financial Group's expected target for the first year in this position.

BMO Financial Group's total compensation package will vary based on the pay type of the position and may include performance-based incentives, discretionary bonuses, as well as other perks and rewards. BMO also offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans.

About Us

At BMO we are driven by a shared Purpose : Boldly Grow the Good in business and life. It calls on us to create lasting, positive change for our customers, our communities, and our people. By working together, innovating, and pushing boundaries, we transform lives and businesses, and power economic growth around the world.

As a member of the BMO team, you are valued, respected, and heard, and you have more ways to grow and make an impact. We strive to help you make an impact from day one for yourself and our customers. We'll support you with the tools and resources you need to reach new milestones, as you help our customers reach theirs. From in-depth training and coaching, to manager support and network-building opportunities, we'll help you gain valuable experience, and broaden your skillset.

BMO is proud to be an equal employment opportunity employer. We evaluate applicants without regard to race, religion, color, national origin, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, transgender status, sexual stereotypes, age, status as a protected veteran, status as an individual with a disability, or any other legally protected characteristics. We also consider applicants with criminal histories, consistent with applicable federal, state, and local law.

BMO is committed to working with and providing reasonable accommodations to individuals with disabilities. If you need a reasonable accommodation because of a disability for any part of the employment process, please send an e-mail to BMOCareers.Support@bmo.com and let us know the nature of your request and your contact information.