Apply on Kit Job: kitjob.ca/job/2g9gv0

With over 40 years of market leading presence, BMO’s Dealer Finance team is accountable for providing specialized commercial finance solutions to Canada’s automotive, marine and RV sectors.

Reporting directly to the Line of Business Head, the Director, Credit Structuring role is specifically accountable for credit risk governance across the Dealer Finance commercial loan portfolio, including oversight of risk appetite, credit strategy, controls, and remediation of emerging and elevated risks. The role partners with cross‑functional stakeholders to execute policy, manage credit issues, support models and analytics, and ensure strong audit, limit, collateral, and exposure governance. In addition, this role identifies and drives opportunities for transformational change through system, process, and business model improvements that enhance efficiency and risk outcomes.

Provide expert guidance on credit structuring, risk mitigation, and regulatory compliance across BMO’s Dealer Finance business

Ensures adherence to regulatory requirements, internal controls, and compliance policies in all aspects of credit risk management, mitigating risk of loss and maintaining high service standards.

Act as a strategic advisor to senior leadership, contributing to portfolio optimization and business planning

Drive operational excellence through process innovation, analytics, and continuous improvement. Assist in monitoring Key Performance Indicators (KPI’s) across the portfolio and ensure timely follow up with appropriate action plans to address out of compliance items are implemented and actioned by deal teams.

Drives efforts to identify recent business opportunities, acquire clients, penetrate markets, and expand the client base by leveraging market insights,



competitor analysis, and cross‑selling initiatives.

Collaborate with Credit Partners and be viewed as a Credit Leader with the capability of carrying and exercising an elevated discretionary limit

Collaborate cross-functionally to ensure consistent delivery of credit and portfolio solutions and alignment with enterprise strategy

Champion a client‑first approach, ensuring timely resolution of complex issues and identifying opportunities to enhance client relationships

Assist the Managing Directors & Team Leads by playing a pivotal role in the structuring and execution of customized credit strategies aligned with client needs and business objectives

Identifies issues, gaps and process improvements through open communication with all stakeholders

Demonstrate in‑depth knowledge of the bank’s policies, procedures and framework, serving as subject matter expert and a key resource for colleagues

Represent the Commercial Bank in internal and external forums, including regulatory and industry engagements

Contribute to enterprise‑wide initiatives and support broader strategic priorities as required

Qualifications

Minimum 7+ years of experience in commercial banking, credit structuring, or related financial services

Post‑secondary degree in a relevant field or equivalent combination of education and experience

Credit qualified,



with deep expertise in credit principles, structuring, and risk management

Proven technical leadership and recognized as a seasoned expert in the industry

Exceptional verbal and written communication skills

Advanced analytical, problem‑solving, and decision‑making capabilities

Strong influence and collaboration skills, with a focus on cross‑functional teamwork

Demonstrated ability to manage ambiguity and deliver results in complex, fast‑paced environments

Thought leader in innovation, with a data‑driven approach to strategy and execution

You’re fluent in French and English as this role provides support to clients and team members inside and/or outside the province of Quebec.

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: https://jobs.bmo.com/global/en/Total-Rewards

#J-18808-Ljbffr

Apply on Kit Job: kitjob.ca/job/2g9gv0

📌 Director Credit Structing, Commercial Banking (Dealer Finance) (Toronto)
🏢 BMO
📍 Toronto