Director Corporate Credit Adjudication

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The Director Corporate & Commercial Credit role provides an exciting career opportunity to be part of BMOs highperforming Corporate & Commercial Credit Risk team supporting BMO Capital Market Corporate Banking business. The team adjudicates credit related risks across a range of portfolios including power utilities & infrastructure; project finance; mining; oil & gas; and diversified corporates providing challenging opportunities for individuals to enhance expertise across a range of complex portfolios and for career growth across the risk function. The Director position carries significant delegated lending limits and actively engages with lines of business to ensure transactions are adjudicated within BMOs risk appetite credit policies and targeted portfolio metrics. In addition to leveraging strong technical skills the role is a high visibility role that involves building constructive relationships and partnerships with key stakeholders across levels. This role is based in the United States with preference in either of Chicago New York or Houston. Other locations may be considered.

Provides independent objective review and adjudication of credit applications and transactions for an assigned portfolio within credit limits or makes credit recommendations and escalates as required. Ensures the credit quality of the assigned portfolios are maintained within the Banks risk tolerance policies & procedures and meet financing guidelines. Supports credit adjudication operations and initiatives. Provides training and support to teams and channels where the applications and transactions originate.

• Acts as a trusted advisor to senior leaders for making business decisions and implementing strategic initiatives.
• Develops an expert understanding of business/group challenges.
• Networks with industry contacts to gather competitive insights and best practices.
• Recommends measures to improve organizational effectiveness.
• May consult to or serve on various committees and task forces.
• Provides credit coaching training and support to direct team and other stakeholders as required.
• Works with stakeholders to ensure effectiveness of risk management controls analysis and monitoring on a transactional and portfolio basis.
• Influences and negotiates to achieve business objectives.
• Identifies emerging issues and trends to inform decisionmaking.
• Recommends business priorities advises on resource requirements and develops roadmap for strategic .
• Manages resources and leads the of strategic initiatives to deliver on business and financial goals.
• Conducts independent analysis and assessment to resolve strategic issues.
• Acts as the prime contact for internal/external stakeholder relationships which may include regulators.
• Ensures alignment between stakeholders.
• Develops and manages comprehensive information management systems; designs and/or leads initiatives to improve processes analysis and reporting.
• Integrates information from multiple sources to enable more efficient processes enhanced analysis and/or streamlined reporting.
• Defines business requirements for analytics & reporting to ensure data insights inform business decision making.
• 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.
• Leads change management programs of varying scope and type including readiness assessments planning stakeholder management evaluation and sustainment of initiatives.
• Leads the development of the communication strategy focusing on positively influencing or changing behaviour.
• Collaborates across BMO to develop communications strategies and ensure consistency of messaging in order to positively influence or change behaviour.
• Leads the of operational programs; assesses and adapts as needed to ensure quality of .
• Supports credit due diligence activities for bank acquisitions or integration.
• Reviews and communicates 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 opportunities for crossselling and/or alternative solutions to meet clients needs.
• Keeps abreast of economic and market developments within the portfolio to inform decision making and credit risk policies.
• Provides approval for exceptions according to established policy and standards.
• Monitors the credit portfolio through transaction review & approval to ensure compliance with the Banks lending policies and procedures.
• Provides credit risk coaching and advice to sales & service employees to increase awareness of risk policy and knowledge of structuring transactions.
• Builds effective relationships with internal/external stakeholders.
• Gathers and formats data into regular and adhoc reports and dashboards.
• Monitors and tracks performance and addresses any issues.
• Executes work to deliver timely accurate and efficient service.
• Operates at a group/enterprisewide level and serves as a senior specialist resource across BMO.
• Influences how teams/groups work together.
• Applies expertise and thinks creatively to address unique or ambiguous situations and to find solutions to multiple interdependent complex problems.
• Communicates abstract concepts in simple terms.
• Fosters strong internal and external networks and works with and across multiple teams to achieve business objectives.
• Anticipates trends and responds by implementing appropriate changes.
• Broader work or accountabilities may be assigned as needed.

  Qualifications:

• Credit experience adjudicating one of more of mining oil & gas project finance or power utilities & infrastructure segments would be an asset
• Typically 9 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.
• Expert knowledge of banking products & services.
• Expert knowledge of industry trends and regulations.
• Expert knowledge of credit portfolio management policies & procedures and financing guidelines.
• Proven leadership skills and highly developed coaching skills.
• Seasoned expert with extensive industry knowledge.
• Technical leader viewed as a thought leader for innovation.
• Verbal & written communication skills Expert.
• Analytical and problem solving skills Expert.
• Influence skills Expert.
• Collaboration & team skills; with a focus on crossgroup collaboration Expert.
• Able to manage ambiguity.
• Data driven decision making Expert.

Salary:

Pay Type:

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

BMO is committed to working with and providing reasonable accommodations to individuals with disabilities. If you need a reasonable accommodation because of a disability for any part of the employment process please send an email to and let us know the nature of your request and your contact information.

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.