Account Manager Special Account Management Unit Eastern Canada

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Opportunit de contrat

Delivers an exceptional customer experience for a defined portfolio of high risk borrowing accounts by applying expertise to reduce the Banks loss exposure and manage risks. Advises internal and external stakeholders on complex highrisk credit risk transactions and mitigation strategies. Makes credit decisions/recommendations in accordance with sound creditgranting principles and in compliance with Bank Policy & Procedures. Works with stakeholders to deepen relationships and grow the overall profitability of the portfolio.

• Recommends alternatives to credit proposals e.g. restructuring of the application and/or use of special loan plans available.

• Contributes to the development and implementation of lending related policies and procedures.

• Acts as a trusted advisor to assigned business/group.

• Influences and negotiates to achieve business objectives; includes action plans with debtor and guarantors.

• Recommends and implements solutions based on analysis of issues and implications for the business.

• Assists in the development of strategic plans.

• Identifies emerging issues and trends to inform decisionmaking.

• Identifies business needs designs/develops tools and training programs; may include delivery of training to audiences.

• Helps determine business priorities and best sequence for of business/group strategy.

• Conducts independent analysis and assessment to resolve strategic issues.

• Ensures alignment between stakeholders.

• Integrates information from multiple sources to enable more efficient processes enhanced analysis and/or streamlined reporting.

• Employs systems (e.g. customized exception reports tracking reports etc. to manage information.

• Breaks down strategic problems and analyses data and information to provide insights and recommendations.

• 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 evaluation and sustainment of initiatives.

• Leads or participates in defining the communication plan designed to positively influence or change behaviour; develops tailored messaging; and identifies appropriate distribution channels.

• Provides technical expertise to other team members acting as a goto person for the team.

• Supports the manager by coordinating and managing workflow and exception requests; escalates any concerns.

• Provides input into the planning and implementation of operational programs.

• Monitors the financial and risk performance of account portfolio; performs financial and risk analysis of customer and account information to provide insights and recommendations on how to improve quality liquidity and Banks security position.

• Documents decisions on credit transactions with rationale that can be understood and explained to customers.

• Identifies and advises on terms conditions and collateral requirements for the transaction decision as well as alternative solutions.

• Keeps abreast of economic and market developments within the portfolio to inform decision making and credit risk policies.

• Maintains and enhances knowledge around lending issues including loan structure collateral foreclosure bankruptcy and the various regulations that directly impact the Bank.

• Provides credit risk coaching and advice to sales & service employees to increase awareness of risk policy and knowledge of structuring transactions.

• Supports the of strategic initiatives in collaboration with internal and external stakeholders.

• Builds effective relationships with internal/external stakeholders; includes legal and insolvency professionals and other consultants/advisors in the commercial business community.

• Gathers and formats data into regular and adhoc reports and dashboards.

• Monitors and tracks performance and addresses any issues.

• Provides input into the planning and implementation of operational programs.

• Executes work to deliver timely accurate and efficient service.

• Focus is primarily on business/group within BMO; may have broader enterprisewide focus.

• Provides specialized consulting analytical and technical support.

• Exercises judgment to identify diagnose and solve problems within given rules.

• Works independently and regularly handles nonroutine situations.

• Broader work or accountabilities may be assigned as needed.

Qualifications:

• Typically between 5 7 years of relevant experience and postsecondary degree in related field of study or an equivalent combination of education and experience.

• Credit Qualifications and associated credit knowledge and skills according to the established qualification standards.

• Indepth knowledge of banking products & services.

• Indepth knowledge of industry trends and regulations.

• Indepth knowledge of credit portfolio management policies & procedures and financing guidelines.

• Proven leadership skills and highly developed coaching skills.

• Deep knowledge and technical proficiency gained through extensive education and business experience.

• Verbal & written communication skills Indepth.

• Collaboration & team skills Indepth.

• Analytical and problem solving skills Indepth.

• Influence skills Indepth.

• Data driven decision making Indepth.

The above represents BMO Financial Groups 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 parttime roles will be prorated based on number of hours regularly worked. For commission roles the salary listed above represents BMO Financial Groups expected target for the first year in this position.

BMO Financial Groups total compensation package will vary based on the pay type of the position and may include performancebased 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. To view more details of our benefits please visit: Us

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. Well support you with the tools and resources you need to reach new milestones as you help our customers reach theirs. From indepth training and coaching to manager support and networkbuilding opportunities well help you gain valuable experience and broaden your skillset.

To find out more visit us at is committed to an inclusive equitable and accessible workplace. By learning from each others 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.