Associate Director

Join to apply for the Associate Director role at BMO The Associate Director is part of a team that is responsible for account management of a growing commercial banking portfolio. The Associate Director covers an assigned portfolio of clients bringing market leading customer service. These individuals are able to make credit decisions and recommendations regarding deal structure in compliance with bank policies and procedures, while maintaining an exceptional level of client service. The Associate Director is accountable for overall portfolio management including, but not limited to, credit underwriting, monthly or quarterly compliance monitoring and day-to-day client requirements. This is an in-office role with the Greater Toronto Corporate Finance team. We are looking for high-performing, passionate individuals who can operate in a fast-pace, changing environment. Role Requirements and Accountabilities Analyze credit information to support lending decisions for new, renewal and extension of lending authorizations, as well as to offer recommendations regarding credit worthiness of existing or prospective clients. Assess client repayment capacity by utilizing financial models and analytical tools to recommend appropriate loan structures and collateral requirements. Structure lending authorizations to align with client needs and bank risk appetite. Monitor portfolio to identify deteriorating credit conditions and compliance, analyze metrics, and assess broader industry trends to spot risks and opportunities. Monitor the portfolio performance for assigned portfolio of clients on an ongoing basis, taking corrective action when required. Manage timely and accurate financial data entry into BMO's systems and leverage the outcome to support decision-making. Minimize BMO’s risk exposure by adhering to internal credit policies and procedures with respect to lending decisions. Coordinate deal closings with internal funding department, clients and legal counsel. Serve as a point of contact for service requests, ensuring expectations are consistently met or exceeded. Escalate issues when needed. Support and implement initiatives to enhance client service quality, acquire new business and expand client relationships. Network with industry contacts to gather competitive insights and best practices. Build effective relationships with internal and external stakeholders. Develop and execute business development plans focused on enhancing client relationships and growth opportunities within the portfolio. Broader work or accountabilities may be assigned as needed. Additional Skill Requirements Manage multiple tasks with competing priorities in a fast‑paced environment. Exercise judgment to identify, diagnose, and solve problems within BMO policy and risk appetite. Work independently and regularly handle non‑routine situations. Qualifications 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. MS Office Skills (Word, Excel, Powerpoint, Copilot) – In‑depth. Verbal and written communication skills - In‑depth. Collaboration and team skills - In‑depth. Analytical and problem solving skills - In‑depth. Influence skills - In‑depth. Data driven decision making - In‑depth. Salary $69,000.00 - $129,000.00 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. At BMO we are driven by a shared Purpose: Boldly Grow the Good in business and life. It calls on us to create lasting, positive change for our customers, our communities and our people. By working together, innovating and pushing boundaries, we transform lives and businesses, and power economic growth around the world. As a member of the BMO team you are valued, respected and heard, and you have more ways to grow and make an impact. 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. BMO is committed to an inclusive, equitable and accessible workplace. By learning from each other’s differences, we gain strength through our people and our perspectives. Accommodations are available on request for candidates taking part in all aspects of the selection process. To request accommodation, please contact your recruiter. Note to Recruiters: BMO does not accept unsolicited resumes from any source other than directly from a candidate. Any unsolicited resumes sent to BMO, directly or indirectly, will be considered BMO property. BMO will not pay a fee for any placement resulting from the receipt of an unsolicited resume. A recruiting agency must first have a valid, written and fully executed agency agreement contract for service to submit resumes. #J-18808-Ljbffr