Associate Director, Commercial Banking (Corporate Finance Group)

Corporate Finance Team Overview

The Corporate Finance team within Canadian Commercial Banking is part of the BMO Financial Group and covers both public and large private corporate clients operating in diversified industries. The team is responsible for marketing, managing, and monitoring large commercial loan portfolios, and for supporting credit requirements and cross‑selling efforts for related businesses including subordinated debt, equipment leasing, derivatives, cash management, and trade finance. The team assesses financing opportunities of $10,000,000 or more, on both a syndicated and bilateral basis.

Job Overview

The Associate Director plays a critical role in supporting the growth and risk‑management objectives of the portfolio. This role requires advanced financial analysis, strong credit analysis, and relationship management abilities. Associate Directors contribute to client decisioning, credit structuring, and portfolio oversight, while also supporting new business development and delivering a superior client experience. Work is performed in close partnership with Managing Director and/or Director.

Responsibilities

• Negotiate loan structures and terms that align client requirements with the bank’s risk appetite and policies.
• Assess client repayment capacity by utilizing financial models and analytical tools to recommend appropriate loan structures and collateral requirements.
• Sign off on new, renewal, and extension loans within delegated authority.
• Monitor the portfolio to identify deteriorating credit conditions and compliance, analyze metrics, and assess broader industry trends to spot risks and opportunities.
• Evaluate portfolio performance and recommend capital allocation strategies that optimize returns with investment objectives.
• Lead proposal development and deliver presentations to capture new business and expand client relationships.
• Network with industry contacts to gather competitive insights and best practices.
• Develop and execute business development plans focused on enhancing client relationships and growth opportunities within the portfolio.
• Build and maintain client relationships to ensure long‑term financial performance in collaboration with Relationship Manager and business partners.
• Structure and support new, renewal, and extension loans aligned with client needs and bank & risk policies.
• Conduct financial analysis and risk assessments of clients’ credit information for an assigned portfolio to provide insights and make informed decisions.
• Monitor the portfolio performance for assigned commercial banking clients on an ongoing basis, taking corrective action when required.
• Minimize BMO’s risk exposure by adhering to credit policies, regulatory standards, and operational guidelines.
• Serve as a point of contact for service requests, ensuring expectations are consistently met or exceeded. Escalate issues when needed.
• Support and implement initiatives to enhance service quality, acquire new business, and expand client relationships.
• Identify revenue and cross‑selling opportunities to enhance portfolio growth.
• Identify share‑of‑wallet opportunities.
• Leverage analysis tools to nurture and grow a portfolio that exceeds ROE thresholds and evaluate client returns proactively.
• Manage timely and accurate data entry into BMO’s systems and use the data to support decision‑making.
• Focus is primarily on the business/group within BMO; may have broader, enterprise‑wide focus.
• Provide specialized consulting, analytical, and technical support.
• Exercise judgment to identify, diagnose, and solve problems within given rules.
• Work independently and regularly handle non‑routine situations.

Qualifications

• Preferred 5–7 years of relevant experience in credit or lending instruments or financial operations in a corporate or banking environment.
• For Credit Qualifiable roles, credit qualifications and associated credit knowledge and skills according to the 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.

Skills & Proficiency Levels

Foundational

• Structuring deals

Advanced

• Problem solving
• Collaboration
• Detail‑oriented
• Customer service
• Loan structuring
• Regulatory compliance
• Portfolio management
• Credit risk assessment
• Banking operations
• Microsoft Office

Expert

• Financial analysis

Salary & Compensation

Salary range: $69,000.00 – $129,000.00 (Salaried). Salaries may vary based on location, skills, experience, education, and qualifications for the role, and may include a commission structure.

BMO Financial Group’s total compensation package may include performance‑based incentives, discretionary bonuses, and other perks and rewards. BMO also offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans. For more details of our benefits, visit

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.

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 and broaden your skill set.

BMO is committed to an inclusive, equitable and accessible workplace. Accommodations are available on request for candidates taking part in all aspects of the selection process. To request accommodation, please contact your recruiter.

To learn more about BMO, visit

Equal Employment Opportunity

BMO is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status, or any other federal, state, or local protected characteristic.

Recruiter Note

BMO does not accept unsolicited resumes from any source other than directly from a candidate. Any unsolicited resumes sent to BMO will be considered BMO property. BMO will not pay a fee for any placement resulting from an unsolicited resume. A recruiting agency must first have a valid, written and fully executed agency agreement to submit resumes.