BMO U.S. · 1 day ago
Vice President, Team Lead - Portfolio Manager, Commercial (Emerging Middle Market)
San Jose, CA
Full-time
Onsite
Mid, Senior Level
$89K/yr - $166K/yr
5+ years expBMO U.S. is the 8th largest bank in North America with aggressive growth ambitions. They are seeking a Vice President, Team Lead - Portfolio Manager to analyze credit information, support lending decisions, and manage a portfolio of Commercial banking clients while ensuring exceptional client service and compliance with bank policies.
Banking
Responsibilities
Negotiates loan structures and terms and conditions that align client requirements with the bank risk appetite and policies
Assesses client repayment capacity by utilizing financial models and analytical tools to recommend appropriate loan structures and collateral requirements
Signs off on new, renewal and extension loans within delegated authority
Monitors portfolio to identify deteriorating credit conditions and compliance, analyses metrics, and assesses broader industry trends to spot risks and opportunities
Evaluates portfolio performance and recommends capital allocation strategies that optimize returns with investment objectives
Leads proposal development and delivers presentations to capture new business and expand client relationships
Networks with industry contacts to gather competitive insights and best practices
Develops and executes business development plans focused on enhancing client relationships and growth opportunities within the portfolio
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
Fosters a culture aligned to BMO purpose, values and strategy and role models BMO values and behaviours in all that they do
Ensures alignment between values and behaviour that fosters diversity and inclusion
Regularly connects work to BMO’s purpose, sets inspirational goals, defines clear expected outcomes, and ensures clear accountability for follow through
Builds interdependent teams that collaborate across functional and operating groups to create the highest value for all stakeholders
Attracts, retains, and enables the career development of top talent
Improves team performance, recognizes and rewards performance, coaches employees, supports their development, and manages poor performance
Focus is primarily on business/group within BMO; may have broader, enterprise-wide focus
Provides specialized consulting, analytical and technical support
Exercises judgment to identify, diagnose, and solve problems within given rules
Works independently and regularly handles non-routine situations
Broader work or accountabilities may be assigned as needed
Qualification
Required
Bachelor's degree required; 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
Deep knowledge and technical proficiency gained through extensive education and business experience
Foundational level of proficiency in Structuring Deals
Advanced level of proficiency in Problem Solving, Collaboration, Detail-Oriented, Customer Service, Loan Structuring, Regulatory Compliance, Portfolio Management, Credit Risk Assessment, Banking Operations, Microsoft Office
Expert level of proficiency in Financial analysis
Preferred
5 – 7 years of relevant experience in credit or lending instruments or financial operations in a corporate or banking environment
Benefits
Health insurance
Tuition reimbursement
Accident and life insurance
Retirement savings plans
Company
BMO U.S.
We’re a bank, but there’s more to it than that. We're a top ten bank in North America and have been serving our customers since 1817.
5001-10000 employees
H1B Sponsorship
BMO U.S. has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (1)
2024 (11)
2023 (41)
2022 (22)
2021 (14)
2020 (21)
Funding
Current Stage
Late StageLeadership Team
Mike Morton
Vice Chair U.S. Commercial Banking
Recent News
2025-10-16
2025-09-23
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