BMO U.S. · 1 day ago
Commercial Senior Portfolio Manager (Emerging Middle Market)
Newport Beach, CA
Full-time
Hybrid
Mid, Senior Level
$69K/yr - $128K/yr
3+ years expBMO U.S. is seeking a Senior Commercial Portfolio Manager to evaluate the risk level of commercial transactions and make informed decisions based on company guidelines. The role involves analyzing financial statements, collaborating with Relationship Managers, and managing a portfolio to ensure compliance and minimize risk.
Banking
Responsibilities
Evaluates all financial statements (business and personal tax returns, fiscal year-end and interim statements and personal financial statements) for credit worthiness. Identifies recurring and non-recurring income/expenses. Comprehend all schedules, notes, and K-1's. Differentiates between cash and accrual method as well as comprehend UCA cash flow analysis. Consolidates related entities and summarizes results
Identifies credit strengths, weaknesses, industry risks, and anomalies that lead to further investigation. Determines or amends applicable loan agreement covenant and monitoring requirements
Collaborates with Relationship Managers on reasoning for a particular decision, answering potential loan request questions, identifying/resolving potential problem loans
Prepares a comprehensive credit summary in conjunction with the Relationship Managers and Credit Manager to address all material aspect of the request
Supports management of the Relationship Manager portfolio by addressing covenant violations, completing annual review/renewals, and identifying opportunities
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
Performs financial analysis and calculations, assesses client creditworthiness, prepares detailed credit summaries, analyses financial performance and risk profiles of clients within the portfolio
Utilizes financial models and analytical tools to assess client repayment capacity and recommend appropriate loan structures and collateral
Supports credit-granting decisions by making recommendations to manager
Supports portfolio monitoring and compliance, within the portfolio to identify deteriorating credit conditions and ensure compliance
Analyses metrics and assesses industry trends to spot risks and opportunities
Supports 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
Develops proposals to capture new business and expand client relationships
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
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
Qualification
Required
3 – 4 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
Bachelor's degree required; Business Administration, Finance and Accounting preferred. Any other related discipline or commensurate work experience considered
Technical proficiency gained through education and/or business experience
Intermediate level of proficiency in Problem Solving
Intermediate level of proficiency in Collaboration
Intermediate level of proficiency in Detail-Oriented
Intermediate level of proficiency in Analytical Thinking
Intermediate level of proficiency in Loan Structuring
Intermediate level of proficiency in Regulatory Compliance
Intermediate level of proficiency in Portfolio Management
Intermediate level of proficiency in Credit Risk Assessment
Intermediate level of proficiency in Banking Operations
Intermediate level of proficiency in Microsoft Office
Advanced level of proficiency in Data analysis tools
Advanced level of proficiency in Financial analysis
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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