BMO U.S. · 1 day ago
AVP, Portfolio Manager - Commercial Banking Religious Institutions
San Ramon, CA
Full-time
Onsite
Mid, Senior Level
$89K/yr - $166K/yr
5+ years expBMO U.S. is a financial institution that aims to create lasting, positive change for customers and communities. They are seeking an AVP, Portfolio Manager in Commercial Banking, responsible for analyzing credit information, making lending decisions, and managing client relationships within an assigned portfolio.
Banking
Responsibilities
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
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
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
Foundational level of proficiency: Structuring Deals
Advanced level of proficiency: Problem Solving
Advanced level of proficiency: Collaboration
Advanced level of proficiency: Detail-Oriented
Advanced level of proficiency: Customer Service
Advanced level of proficiency: Loan Structuring
Advanced level of proficiency: Regulatory Compliance
Advanced level of proficiency: Portfolio Management
Advanced level of proficiency: Credit Risk Assessment
Advanced level of proficiency: Banking Operations
Advanced level of proficiency: Microsoft Office
Expert level of proficiency: Financial analysis
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
Bachelor's 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
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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