Relationship Manager​/Special Accounts

Delivers an exceptional customer experience for a defined portfolio of high risk borrowing accounts by applying expertise to reduce the Bank’s loss exposure and manage risks. Advises internal and external stakeholders on complex, high-risk credit risk transactions and mitigation strategies. Makes credit decisions/recommendations in accordance with sound credit-granting 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 decision-making.

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

• Helps determine business priorities and best sequence for execution 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, execution, 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 go-to 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 Bank’s 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 execution 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 ad-hoc 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, enterprise-wide focus.

• Provides specialized consulting, analytical and technical support.

• Exercises judgment to…