Associate Director, Commercial Banking in Calgary

The Corporate Finance team within Canadian Commercial Banking is part of 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 also supporting credit requirements and cross-selling efforts for other businesses including subordinated debt, equipment leasing, derivatives, cash management, and trade finance. The team assesses financing opportunities of $10,000,000 or more, both on a syndicated and bilateral basis.

The Associate Director plays a critical role in supporting the growth and risk-management objectives of the portfolio. This role requires a combination of advanced financial analysis, strong credit analysis, and relationship management abilities. Associate Directors contribute to client decision-making, credit structuring, and portfolio oversight, while also supporting new business development and delivering a superior client experience.

Key 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.
• 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.
• Manages timely and accurate data entry into BMO's systems and leverages the data to support decision-making.

Qualifications:

• Preferred 5 – 7 years of relevant experience in credit or lending instruments or financial operations in a corporate or banking environment.
• Bachelor’s degree required; Business Administration, Finance, and Accounting preferred.
• Deep knowledge and technical proficiency gained through extensive education and business experience.
• Expert level of proficiency in Financial analysis.

Salary: $70,000.00 - $150,000.00 Pay Type: Salaried

BMO Financial Group 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.