Senior Credit Officer, Director

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Provides independent credit adjudication, approval, and risk oversight for a portfolio of Financial Institution clients, including banks, broker-dealers, asset managers and other regulated financial counterparties. This second line of defence role is responsible for evaluating complex lending, counterparty credit, and trading-product exposures, ensuring alignment with the Bank's risk appetite, credit policies, regulatory standards, and portfolio objectives. Acts as a trusted advisor to senior business and risk leaders, providing strategic guidance on credit decisions, portfolio management, emerging risks, and complex transaction structures.

Credit Adjudication & Risk Management

• Independently assess, approve, and provide recommendations on complex credit transactions involving Financial Institution counterparties.
• Evaluate counterparty credit risk, transaction structures, collateral, and risk mitigants to ensure alignment with the Bank's risk appetite and credit policies.
• Monitor portfolio quality, emerging risks, and market developments to support sound credit decision-making.

Strategic Leadership & Advisory

• Act as a trusted advisor to senior business and risk leaders on credit, portfolio, and strategic risk matters.
• Lead complex credit reviews, portfolio assessments, and risk management initiatives.
• Provide independent analysis and recommendations on significant transactions and emerging risk issues.

Stakeholder Management & Governance

• Partner with Capital Markets, Treasury, Legal, Compliance, and Risk teams to address complex credit matters.
• Support regulatory reviews, audits, and governance activities.
• Build strong relationships with internal and external stakeholders and represent Credit Risk in key forums and committees.

Portfolio Analytics & Process Enhancement

• Leverage portfolio analytics, reporting, and market insights to identify trends and inform decision-making.
• Drive enhancements to credit frameworks, monitoring tools, reporting, and risk management processes.
• Lead strategic and operational initiatives that improve effectiveness and risk oversight.

People Leadership & Expertise

• Provide coaching, mentorship, and credit expertise to team members and business partners.
• Foster a strong risk culture and promote sound credit judgment across the organization.
• Serve as a senior subject matter expert in Financial Institutions and Counterparty Credit Risk.

Qualifications:

• 15+ years of progressive experience in Credit Risk, Financial Institutions, Capital Markets, or Counterparty Credit Risk.

• Extensive experience analyzing and underwriting Financial Institution clients, including banks, broker-dealers and other financial intermediaries.

• Strong expertise in trading products, derivatives, securities financing transactions, and counterparty risk management.

• Deep understanding of financial statement analysis, credit underwriting, portfolio management, and capital markets risk.

• Expert knowledge of banking products, regulatory frameworks, credit policies, and risk governance practices.

• Proven ability to make sound credit decisions on highly complex transactions and relationships.

• Strong leadership, stakeholder management, influencing, and negotiation skills.

• Exceptional analytical, problem-solving, and decision-making capabilities.

• Excellent written and verbal communication skills with the ability to present complex credit matters to senior executives and risk committees.

• CFA, FRM, CPA, MBA, or similar professional designation.

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The above represents BMO Finan