VP, Commercial Banking Portfolio Manager

Final date to receive applications:07/25/2026

Address:1850 N Central Ave, Suite 2000

Job Family Group:

Commercial Sales & ServiceVP, COMMERCIAL BANKING PORTFOLIO MANAGER-PHOENIX, AZ OR SALT LAKE CITY, UTBMO is looking for a seasoned commercial banking professional with deep expertise in credit underwriting, portfolio management, and structuring complex lending solutions for middle-market clients. Proven ability to balance risk and growth by delivering disciplined credit decisions, negotiating optimized loan structures, and partnering with Relationship Managers to drive client retention and revenue expansion.

Analyze credit information and financial performance to support lending decisions across a portfolio of middle-market clients ($50MM–$1B+), including new originations, renewals, and amendments

Structure and negotiate loan terms, aligning client needs with bank risk appetite, credit policies, and regulatory standards

Assess repayment capacity through detailed financial modeling (cash flow, leverage, liquidity) and recommend appropriate structures, pricing, and collateral

Exercise delegated credit authority to approve new, renewal, and extension transactions while ensuring compliance with internal policies and procedures

Prepare and present credit recommendations, synthesizing financial, industry, and risk insights into clear, actionable approvals

Proactively monitor portfolio performance, identifying early warning signals, deteriorating trends, and covenant compliance issues; implement corrective actions as needed

Evaluate industry dynamics and macro trends to identify emerging risks and opportunities within the portfolio

Optimize portfolio returns by assessing capital allocation and client profitability relative to ROE targets

Lead development of credit proposals and client presentations to support new business acquisition and deepen existing relationships

Partner closely with Relationship Managers to drive business development, identify cross-sell opportunities, and increase share of wallet

Build and maintain strong client and internal stakeholder relationships, serving as a key point of contact for credit-related matters

Coordinate deal execution, including documentation and closing, with legal, operations, and clients to ensure timely and accurate completion

Leverage internal data systems and analytics tools to support decision-making and enhance portfolio insights

Operate independently on complex credits and non-routine situations, applying sound judgment and risk-based thinking aligned with the bank’s risk management framework

Contribute to strategic initiatives that enhance service quality, portfolio growth, and operational efficiency

Qualifications:

Preferred 7 – 12 years of relevant experience in credit or lending instruments or financial operations in a corporate or banking environment.

Credit qualifications and associated credit knowledge and skills according to the credit portfolio requirements and qualification standards.

Bachelor’s degree required;
Business Administration, Finance and Accounting preferred. Any other related discipline or commensurate work experience considered.

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

Salary :$88,800.00 - $

Pay Type:

Salaried The above represents BMO Financial Group’s 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 part-time roles will be pro-rated based on number of hours regularly worked. For commission roles, the salary listed above represents BMO Financial Group’s expected target for the first year in this position.

BMO Financial Group’s total compensation package will vary based on the pay type of the position and may include performance-based 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:  UsAt BMO we are driven by a shared

Purpose:

Boldly Grow the Good in business and life.…