Senior Director Lending Programs & Capital

Application Deadline:

06/25/2026

Address:
250 Yonge Street

Job Family Group:

Customer Solutions

Leads the definition, alignment, development, and implementation of transformational lending and portfolio strategies across commercial banking programs, with accountability for programs, capital optimization, and customer outcomes. Oversees end-to-end governance and portfolio management to drive consistent execution across lending programs, including origination and risk oversight, while ensuring alignment with business objectives, risk appetite, and capital allocation priorities.

Portfolio & Program Oversight

• Lead end-to-end oversight of lending programs across business lines
• Establish consistent frameworks for portfolio monitoring, reporting, and performance tracking
• Ensure alignment between program objectives, risk appetite, and capital allocation

Early Risk Identification & Management

• Drive forward-looking analytics and insights to identify emerging risks early
• Shift the organization toward proactive vs. reactive risk management practices

Governance & Discipline

• Strengthen discipline across products and government-backed programs
• Enhance monitoring, controls, and governance frameworks to ensure compliance and consistency
• Partner with Risk and business leaders to reinforce clear accountability and oversight

Capital Optimization

• Lead strategies to optimize capital usage and improve risk-adjusted returns
• Provide insights to support portfolio allocation, pricing discipline, and balance sheet efficiency

Qualifications:

• Typically 9+ years of relevant experience and post-secondary degree in Business or a related field of study or an equivalent combination of education and experience.
• Strong experience with commercial lending portfolios/programs
• In-depth commercial banking and lending portfolio management knowledge
• Strong knowledge of process coordination and management.
• Building business cases - in-depth
• Portfolio risk management - in-depth
• Capital Optimization and balance sheet management - in-depth
• Portfolio analytics and concentration management - in-depth
• Relationship management - in-depth
• Analytics and reporting - in-depth
• Financial Understanding - good/in-depth
• Seasoned expert with extensive industry knowledge.
• Verbal & written communication skills - Expert.
• Analytical and problem solving skills - Expert.
• Influence skills - Expert.
• Collaboration & team skills; with a focus on cross-group collaboration - Expert.
• Able to manage ambiguity.
• Data driven decision making - Expert.

Salary :

$110,500.00 - $192,500.00

Pay Type:

Salaried

The above represents BMO Financial Group's 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 Group's expected target for the first year in this position.

BMO Financial Group's 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. To view more details of our benefits, please 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.

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.

To find out more visit us at .

BMO is committed to an inclusive, equitable and accessible workplace. By learning from each other's differences, we gain strength through our people and our perspectives. Accommodations are available on request for candidates taking part in all aspects of the selection process. To request accommodation, please contact your recruiter.

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