- Provides a superior level of customer service and portfolio management in lending services for all existing and potential clients and in support of a team of specialists and relationship managers.
- Provides technical expertise for proactive credit analysis, structuring, decisions, and portfolio monitoring.
- Applies lending expertise to a lending and deposit portfolio of accounts or part of the lending process (e.g. underwriting, funding, monitoring).
- Provides advice and support where needed with a focus on unique and complex credit transactions for prospects and clients.
- Identifies cross-selling opportunities to increase client penetration for banking, investments and deposits.
- Prepares recent business proposals or presentations to clients/prospects.
- Participates in activities for client meetings and account opening documentation.
- Provides day to day technical support and management of accounts for team members and customers.
- May act as lead relationship manager.
- Ensures timely resolution of all client questions and concerns, both internal and external.
- Performs client sales & service support activities as required to meet client needs and maintain overall service standards.
- Determines client needs and ensures timely and accurate completion of transaction processing.
- Provides after sales support and handles exceptions tactfully, accurately and efficiently in accordance with Bank policy.
- Recommends and implements solutions based on analysis of issues and implications for the business and the client.
- Assists in the development of strategic plans.
- Identifies emerging issues and trends to inform decision-making.
- Maintains detailed knowledge and understanding of the integrated private banking services and offerings and lending procedures.
- Partners with the leadership team on strategic direction and complex line-of-business projects.
- Conducts independent analysis and assessment to resolve strategic issues.
- Supports the execution of strategic initiatives in collaboration with internal and external stakeholders.
- Collaborates with internal and external stakeholders in order to deliver on business objectives.
- Coordinates the management of databases; ensures alignment and integration of data in adherence with data governance standards.
- Completes comprehensive analysis for risk, financial and profitability rating and assessments.
- Breaks down strategic problems, and analyses data and information to provide insights and recommendations.
- Monitors and tracks performance, and addresses any issues.
- Designs and produces regular and ad-hoc reports, and dashboards.
- Builds change management plans of varying scope and type; leads or participates in a variety of change management activities including readiness assessments, planning, stakeholder management, execution, evaluation and sustainment of initiatives.
- Coordinates account management activities with deal team members and internal groups.
- Performs audits and quality checks,



to ensure decisions are adequately documented and clearly communicated.
- Manages operational audits and controls for banking and account administration.
- Manages day to day portfolio administration activities through the completion of a wide variety of credit, non-credit, and related activities.
- Monitors the timely and accurate setup & maintenance of accounts, including account setups, collateralization, and documentation.
- Provides input into the planning and implementation of operational programs.
- Executes set-up, maintenance, and advancement of lending products and related account administration as per guidelines.
- Verifies and processes loan drawdowns, ensuring they are within the terms of the credit authorization and completion of required security documentation.
- Reviews and actions overdrafts and other monitoring reports in a timely manner.
- Sets up and completes margin / covenant tests within established timeframes.
- Maintains control of security collateral including preparation and registration.
- Identifies, diarizes, and monitors accounts for security renewals, registrations, and other expiry dates to meet compliance requirements.
- Monitors and controls the integrity of lending documentation.
- Collects fees applicable to credit terms and conditions or account agreement.
- Identifies business needs, designs/develops tools and training programs; may include delivery of training to audiences.
- May specialize as either a funding specialist or a credit underwriting specialist.
- As a funding specialist, facilitates the funding process acting as a final and independent control point for legal documentation and ensures that the security/legal documentation reflects what was approved; all terms and conditions noted in the credit application have been met; proper execution/perfection of all documents prior to funding/releasing funds; assesses significance of any security or conditions shortfalls, credit and fraud risks.
- As a credit underwriter, focuses on underwriting and making recommendations loan applications; interacting directly with Clients, Prospects, Bankers and Risk Management to provide expertise regarding the adjudication of applications.
- Mitigates identified risks and makes credit recommendations/decisions in accordance with sound credit-granting principles and compliance with the Bank’s philosophy and principles outlined in corporate risk policy and supporting policies and procedures.
- Identifies and escalates irregularities and discrepancies to management as per guidelines.




- Participates in assigned audits and compliance reviews.
- Ensures proper adherence to the code of conduct and ethical guidelines.
- Follows security and safeguarding procedures and applies appropriate due diligence for the prevention of loss due to fraud, counterfeiting money laundering or defalcation in accordance with Bank policy.
- Protects the Bank’s assets by adhering to all banking, investment and lending regulations, policies, and procedures, legal and ethical requirements, process requirements, bank guidelines, and established risk guidelines.
- Focus is primarily on business/group within BMO; may have broader, enterprise-wide focus.
- Provides specialized consulting, analytical and technical support.
- Exercises judgment to identify, diagnose, and solve problems within given rules.
- Works independently and regularly handles non-routine situations.

Requirements

- Typically between 5 - 7 years of relevant experience and post-secondary degree in related field of study or an equivalent combination of education and experience.
- In-depth knowledge of personal (primarily) and commercial credit and non-credit products, monitoring/operational processes and applications.
- In-depth understanding of loan and security documentation, including registration and renewal routine.
- Expert communication and relationship management skills.
- If a Credit Qualifiable job, Credit Qualifications and associated credit knowledge and skills according to the credit portfolio requirements and qualification standards.
- Deep knowledge and technical proficiency gained through extensive education and business experience.
- Verbal & written communication skills - In-depth.
- Collaboration & team skills - In-depth.
- Analytical and problem solving skills - In-depth.
- Influence skills - In-depth.
- Data driven decision making - In-depth.

Core Competencies

Demonstrates expertise in credit analysis, portfolio management, and client relationship management, with a strong focus on compliance and risk assessment in lending services. Proficient in data-driven decision making and effective communication to support complex credit transactions and strategic initiatives.

Highest-signal resume keywords

- Credit Analysis
- Portfolio Management
- Client Relationship Management
- Risk Assessment
- Data-Driven Decision Making

ATS Optimization Keywords

Hard Skills

- Credit Documentation
- Loan Underwriting
- Operational Processes
- Financial Analysis
- Credit Recommendations
- Compliance Standards
- Portfolio Monitoring
- Security Registration
- Transaction Processing
- Cross-Selling Strategies

Soft Skills

- Communication Skills
- Collaboration Skills
- Analytical Skills
- Problem Solving Skills
- Influence Skills

Certifications & Qualifications

- Credit Qualifications

Industry Keywords

- Lending Services
- Banking Regulations
- Investment Products
- Client Service Standards
- Change Management

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📌 Senior Lending Specialist, Private Banking – Commercial (Calgary)
🏢 Jobtailor
📍 Calgary