Credit Portfolio Officer, Commercial; Emerging Middle Market

Join to apply for the Credit Portfolio Officer, Commercial (Emerging Middle Market) role at BMO U.S.

Responsible for analyzing credit information and supporting lending decisions for commercial banking loans in a designated portfolio.

• Negotiates loan structures and terms aligning client requirements with bank risk appetite.
• Assesses client repayment capacity using financial models and analytical tools.
• Signs off on new, renewal, and extension loans within delegated authority.
• Monitors portfolio to identify deteriorating credit conditions, analyzes metrics, and assesses industry trends.
• Evaluates portfolio performance and recommends capital allocation strategies.
• Leads proposal development and delivers presentations to capture new business and expand client relationships.
• Networks with industry contacts to gather insights and best practices.
• Develops and executes business development plans to enhance client relationships.
• Builds and maintains client relationships with Relationship Managers and partners.
• Structures and supports loans aligned with client needs and bank risk policies.
• Conducts financial analysis and risk assessments of clients’ credit information.
• Monitors portfolio performance on an ongoing basis, taking corrective action when required.
• Minimizes risk exposure by adhering to credit policies and regulatory standards.
• Serves as a point of contact for service requests, ensuring expectations are met and escalating issues as needed.
• Supports initiatives to enhance service quality, acquire new business and expand client relationships.
• Identifies revenue and cross‑selling opportunities to grow portfolio.
• Leverages analysis tools to nurture and grow a portfolio that exceeds ROE thresholds.
• Manages timely and accurate data entry into BMO's systems to support decision‑making.
• Provides specialized consulting, analytical and technical support.
• Exercises judgment to identify, diagnose, and solve problems within given rules.
• Works independently and handles non‑routine situations regularly.
• May take on broader work or accountabilities as needed.

• Preferred 5–7 years of relevant experience in credit, lending instruments, or financial operations.
• For Credit Qualifiable roles: credit qualifications and knowledge per BMO standards.
• Bachelor’s degree required;
  Business Administration, Finance, or Accounting preferred.
• Deep knowledge and technical proficiency gained through extensive education and experience.

• Foundational: Structuring Deals
• Advanced: Problem Solving, Collaboration, Detail‑Oriented, Customer Service, Loan Structuring, Regulatory Compliance, Portfolio Management, Credit Risk Assessment, Banking Operations, Microsoft Office
• Expert: Financial analysis

Salary: $88,800.00 – $ (Salaried). Compensation may include performance‑based incentives and benefits. To view detailed benefits, visit

BMO is the 8th largest bank in North America and the 4th largest commercial lender with aggressive growth ambitions. The purpose “Boldly Grow the Good” guides our strategy and commitments to progress, sustainability, and inclusion.

BMO is a proud equal employment opportunity employer. We evaluate applicants without regard to race, religion, color, national origin, sex (including pregnancy, childbirth, and related medical conditions), sexual orientation, gender identity or expression, transgender status, sexual stereotypes, age, protected veteran status, disability status, or any other legally protected characteristics. We also consider applicants with criminal histories as consistent with applicable law.

BMO is committed to providing reasonable accommodations for individuals with disabilities. If you need a reasonable accommodation, please email

Seniority Level: Not Applicable

Employment Type:

Full‑time
Job Function:
Finance and Sales
Industries:
Banking