Audit, Risk & Compliance Provides independent, objective review and adjudication of credit applications and transactions for an assigned portfolio within credit limits or makes credit recommendations and escalates as required. Ensures the credit quality of the assigned portfolios are maintained within the Bank’s risk tolerance, policies & procedures, and meet financing guidelines. Supports credit adjudication operations and initiatives.

Provides training and support to teams and channels where the applications and transactions originate. Acts as a trusted advisor to senior leaders for making business decisions and implementing strategic initiatives. Networks with industry contacts to gather competitive insights and best practices.

May consult to or serve on various committees and task forces. Provides credit coaching, training and support to direct team and other stakeholders as required. Works with stakeholders to ensure effectiveness of risk management controls, analysis and monitoring on a transactional and portfolio basis.

Conducts independent analysis and assessment to resolve strategic issues. Develops and manages comprehensive information management systems; Defines business requirements for analytics & reporting to ensure data insights inform business decision making. Breaks down strategic problems, and analyzes data and information to provide insights and recommendations.

Leads change management programs of varying scope and type, including readiness assessments, planning, stakeholder management, execution, evaluation and sustainment of initiatives.



assesses and adapts as needed to ensure quality of execution. Supports credit due diligence activities for bank acquisitions or integration. Reviews and communicates decisions on credit transactions with rationale that can be understood and explained to customers.

Keeps abreast of economic and market developments within the portfolio to inform decision making and credit risk policies. Provides approval for exceptions according to established policy and standards. Monitors the credit portfolio through transaction review & approval to ensure compliance with the Bank’s lending policies and procedures.

Provides credit risk coaching and advice to sales & service employees to increase awareness of risk, policy, and knowledge of structuring transactions. Gathers and formats data into regular and ad-hoc reports, and dashboards. Monitors and tracks performance and addresses any issues.

Operates at a group/enterprise-wide level and serves as a senior specialist resource across BMO. Fosters robust internal and external networks and works with and across multiple teams to achieve business objectives.



Typically 9+ years of relevant experience and post-secondary degree in related field of study or an equivalent combination of education and experience.

Credit

Qualifications and associated credit knowledge and skills according to the established qualification standards. Expert knowledge of banking products & services. Expert knowledge of credit portfolio management policies & procedures, and financing guidelines.

Proven leadership skills and highly developed coaching skills. Technical leader viewed as a thought leader for innovation. Data driven decision making - Expert. Expertise in market risk given collateral based products coverage Salaries for part-time roles will be pro-rated based on number of hours regularly worked.

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. It calls on us to create lasting, positive change for our customers, our communities and our people.

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.

Accommodations are available on request for candidates taking part in all aspects of the selection process.

📌 Director, Credit Officer Capital Markets (Toronto)
🏢 BMO
📍 Toronto