Audit, gestion des risques et conformité Le candidat retenu peut être basé à Vancouver, Calgary, Halifax ou Toronto et doit être en mesure de travailler dans le modèle d'exploitation hybride de BMO, avec une combinaison de travail en bureau et à distance. As the Senior Credit Officer, Commercial Real Estate, you will serve as a trusted risk advisor responsible for the independent adjudication of complex commercial real estate credit transactions. Leveraging deep expertise in commercial lending, portfolio management, and credit risk, you will make sound financing decisions that balance business growth with prudent risk management.

You will partner closely with front-line banking teams, provide strategic guidance on deal structuring, and help develop the next generation of credit professionals while ensuring the portfolio remains aligned with BMO's risk appetite and lending policies. Independently review, structure, and adjudicate complex commercial real estate credit applications, ensuring transactions meet the Bank's credit policies, risk standards, and financing guidelines. Act as a senior credit authority and subject matter expert for commercial real estate lending, providing recommendations and approvals within delegated lending authority.

Evaluate transaction risk, borrower strength, cash flow, collateral quality, market conditions, and overall creditworthiness to support informed decision-making. Partner with Relationship Managers and front-line lending teams to develop sound financing structures that meet client needs while protecting the Bank's interests. Monitor and maintain the overall quality of the commercial real estate portfolio, identifying emerging risks, market trends, and potential credit concerns.





Review approximately 400 credit transactions annually, applying strong attention to detail and expert credit judgment to ensure consistency and quality. Coach, mentor, and provide oversight to less experienced Line Officers and underwriting professionals, helping strengthen credit analysis and risk assessment capabilities across the team. Provide explicit and concise credit decisions, including rationale, terms, conditions, covenants, and collateral requirements.

Influence strategic business decisions by providing risk insights, industry expertise, and recommendations to senior stakeholders and business partners. Collaborate across lending, risk, and operational teams to drive process improvements, enhance credit effectiveness, and support strategic initiatives. Stay current on commercial real estate market trends, economic developments, regulatory requirements, and industry best practices to proactively manage portfolio risk.

Support special projects, portfolio reviews, and strategic initiatives while serving as a trusted advisor on complex or non-routine credit matters. Typically 7+ years of relevant experience and post-secondary degree in related field of study or an equivalent combination of education and experience. Deep expertise in commercial real estate credit adjudication, underwriting,



and risk assessment, with a proven ability to evaluate complex transactions and make sound, risk-based lending decisions.

Exceptional attention to detail and credit judgment, with a demonstrated track record of maintaining portfolio quality, identifying potential risks, and ensuring compliance with lending policies and regulatory requirements.

Credit

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

Proven leadership skills and highly developed coaching skills. Data driven decision making - In-depth / Expert. Les salaires pour les postes à temps partiel seront calculés au prorata du nombre d’heures travaillées régulièrement.

BMO offre également une assurance santé, le remboursement des frais de scolarité, une assurance accident et une assurance vie, ainsi que des régimes d’épargne-retraite. Pour en savoir plus sur nos avantages sociaux, consultez le site : Cette raison d’être nous invite à entraîner des changements positifs et durables pour nos clients, nos collectivités et nos gens. Nous vous offrirons les outils et les ressources dont vous avez besoin pour franchir de nouvelles étapes, car vous aidez nos clients à franchir les leurs.

Au moyen de formation et de coaching approfondis ainsi que de soutien de la direction et d'occasions de réseautage, nous vous aiderons à acquérir une expérience enrichissante et à élargir votre groupe de compétences.

📌 Senior credit officer, commercial real estate (Toronto)
🏢 BMO Financial Group
📍 Toronto