National Director, Credit Structuring ( Real Estate Finance

The Real Estate Financing team operates within BMO’s Canadian Commercial Banking division and supports privately held companies engaged in real estate construction and development. The team is accountable for driving revenue growth, managing and monitoring loan portfolios, meeting credit requirements, and supporting cross‑selling across our broader business. We assess financing opportunities ranging from $10,000,000 to over $1,.

Analyzes credit information to support lending decisions and processes for new and existing Commercial banking loans and credit solutions in an assigned portfolio of clients. Makes credit decisions and recommendations in compliance with bank policies and procedures while maintaining an exceptional client service environment.

• Leverages advanced deal structuring expertise to negotiate loan terms and conditions and structure loans balancing client requirements with the bank’s risk appetite and policies.
• In alignment with credit qualifications, signs off on new, renewal and extension loans.
• Conducts comprehensive portfolio monitoring and performance analysis including covenant compliance and client industry trends to identify risks and opportunities.
• Leads the development and implementation of advanced capital allocation strategies, that leverage market insights and portfolio analysis and optimize investment returns.
• Oversees financial and risk analysis to make informed credit-granting decisions and assessments of portfolio health
• Handles escalated client concerns and service requests, ensuring expectations are consistently met or exceeded.
• Builds and maintains a portfolio of strong relationships that ensures a superior client experience and drives financial performance.
• Leads complex proposal development and delivers presentations to acquire clients or win business.
• Advises on strategic business priorities, resource allocation, and change initiatives to ensure successful execution of key strategies across commercial banking functions.
• Engages with industry peers and networks to gather competitive insights and best practices, applying this knowledge to maintain a competitive edge.
• Builds and maintains client relationships to ensure long‑term financial performance in collaboration with Relationship Manager and business partners.
• Structures and supports new, renewal and extension loans aligned with client needs and bank & risk policies
• Conducts financial analysis and risk assessments of clients’ credit information, for an assigned portfolio, to provide insights and make informed decisions
• Monitors the portfolio performance for assigned portfolio of Commercial Banking clients on an ongoing basis, taking corrective action when required.
• Minimizes BMO’s risk exposure by adhering to credit policies, regulatory standards, and operational guidelines.
• Serves as a point of contact for service requests, ensuring expectations are consistently met or exceeded. Escalates issues when needed.
• Supports and implements initiatives to enhance service quality, acquire new business and expand client relationships.
• Identifies revenue and cross‑selling opportunities to enhance portfolio growth.
• Identifies share of wallet opportunities.
• Leverages analysis tools to nurture and grow a portfolio that exceeds ROE thresholds and evaluates client returns on a proactive basis.
• Manages timely and accurate data entry into BMO's systems and leverages the data to support decision‑making.
• Fosters a culture aligned to BMO purpose, values and strategy and role models BMO values and behaviours in all that they do.
• Ensures alignment between values and behaviour that fosters diversity and inclusion.
• Regularly connects work to BMO’s purpose, sets inspirational goals, defines clear expected outcomes, and ensures clear…