Commercial Banking Credit Expert

1 week ago

Chicago, Illinois, United States BMO U.S. Full time
Job Summary:

BMO U.S. is seeking a seasoned Senior Credit Specialist to join our National Industries Team. As a key member of our team, you will play a critical role in supporting our commercial banking operations and driving business growth.

Key Responsibilities:
  • Business Development: Lead and execute business development plans to achieve or exceed business goals, focusing on strategic partnerships and revenue growth.
  • Client Service: Improve service levels, client satisfaction, and loyalty scores by identifying and providing recommendations for process improvement, ensuring exceptional customer experiences.
  • Strategic Input: Provide strategic input into business decisions as a trusted advisor, leveraging industry expertise and market knowledge.
  • Resource Management: Manage resources and lead the execution of strategic initiatives to deliver on business and financial goals, ensuring efficient use of resources.
  • Credit Analysis: Develop the business case by identifying needs, analyzing potential options, and assessing expected return on investment, providing data-driven recommendations.
  • Collaboration: Partner with internal stakeholders to develop consistent and appropriate customer presentations, craft detailed correspondence, presentations, and proposals, ensuring seamless communication.
  • Change Management: Lead change management programs of varying scope and type, including readiness assessments, planning, stakeholder management, execution, evaluation, and sustainment of initiatives, driving organizational change.
  • Credit Structures: Provide direction on the creation of comprehensive credit structures to meet the transactional needs of clients, ensuring alignment with business objectives.
  • Financial Analysis: Provide accurate financial analysis and risk assessment of new and existing customers, ensuring informed decision-making.
  • Client Information: Partner with internal stakeholders for accurate, detailed client information, ensuring up-to-date knowledge.
  • Credit Decisions: Develop credit information to make lending decisions on new, renewal, and extension loans, ensuring prudent risk management.
  • Negotiations: Assist in negotiations of terms and conditions of all decisions made via phone and e-mail interaction with clients, ensuring mutually beneficial outcomes.
  • Reporting: Prepare summary, present facts, and offer opinions concerning credit worthiness, providing clear and concise reporting.
  • Risk Management: Minimize BMO U.S.'s risk exposure by adhering to internal credit policies and procedures with respect to lending decisions, ensuring regulatory compliance.
  • Operational Programs: Provide input into the planning and implementation of operational programs, ensuring alignment with business objectives.
  • Stakeholder Relationships: Build effective relationships with internal/external stakeholders, ensuring strong partnerships.
  • Specialized Expertise: Operate at a group/enterprise-wide level and serve as a specialist resource to senior leaders and stakeholders, providing expert guidance.
  • Problem-Solving: Apply expertise and think creatively to address unique or ambiguous situations and to find solutions to complex and non-routine problems, driving innovation.
  • Adaptability: Implement changes in response to shifting trends, ensuring agility in a rapidly changing environment.Qualifications:
    • Education: Typically 7+ years of relevant experience and post-secondary degree in related field of study or an equivalent combination of education and experience.
    • Experience: Seasoned professional with a combination of education, experience, and industry knowledge.
    • Communication Skills: Verbal & written communication skills In-depth / Expert.
    • Analytical Skills: Analytical and problem-solving skills In-depth / Expert.
    • Influence Skills: Influence skills In-depth / Expert.
    • Collaboration Skills: Collaboration & team skills; with a focus on cross-group collaboration In-depth / Expert.
    • Ambiguity Management: Able to manage ambiguity.
    • Data-Driven Decision Making: Data-driven decision making In-depth / Expert.
    Compensation:

The salary range for this position is $120,000.00 - $222,600.00 per year, paid on a salaried basis.

BMO U.S. offers a comprehensive total compensation package, including performance-based incentives, discretionary bonuses, and other perks and rewards. Our benefits package includes health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans.

BMO U.S. is an equal opportunity/affirmative action employer. We are committed to an inclusive, equitable, and accessible workplace. By learning from each other's differences, we gain strength through our people and our perspectives.

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