Small Business Administration - Portfolio Manager

Commercial Banking Loan Analyst

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 :

• Performing financial analysis and calculations, assessing client creditworthiness, preparing detailed credit summaries, analyses financial performance and risk profiles of clients within the portfolio.
• Utilizing financial models and analytical tools to assess client repayment capacity and recommend appropriate loan structures and collateral.
• Supporting credit-granting decisions by making recommendations to manager.
• Supporting portfolio monitoring and compliance, within the portfolio to identify deteriorating credit conditions and ensure compliance.
• Analysing metrics and assessing industry trends to spot risks and opportunities.
• Supporting the negotiation of loan terms and conditions and the structuring of loans that align with client requirements and ensure compliance with the banks risk appetite and policies.
• Developing proposals to capture new business and expand client relationships.
• 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 BMOs 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 BMOs systems and leveraging the data to support decision-making.
• Focus is primarily on business / group within BMO; may have broader, enterprise-wide focus.
• Exercises judgment to identify, diagnose, and solve problems within given rules.
• Works independently on a range of complex tasks, which may include unique situations.
• Broader work or accountabilities may be assigned as needed.

Qualifications :

Intermediate level of proficiency :

Advanced level of proficiency :

Salary : $69,000.00 - $127,800.00

Pay Type : Salaried

The above represents BMO Financial Groups 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 Groups expected target for the first year in this position.

BMO Financial Groups 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.