Director and Team Lead, Mid-Market Underwriting

Overview

The DTL – Training role sits within Mid‑Market underwriting and is accountable for building scalable, consistent underwriting capability through structured training cohorts and onboarding. It leads cohort execution by setting expectations, coordinating the learning path, and ensuring trainees can perform in the Mid‑Market environment as the operating model evolves. The role helps shift the program away from heavy reliance on ad‑hoc SME facilitation toward repeatable delivery and sustainable development practices.

A key focus is hands‑on deal coaching and review
, embedding learning directly in day‑to‑day work and reinforcing consistent credit execution. Training coverage includes operational execution (excesses, drawdowns, PDAR, margins, covenants) and readiness for platform/process expectations (including LTS). It also strengthens commercial acumen—TPS opportunity identification, pricing discipline, and effective client conversations and negotiation fundamentals.

Ultimately, the role supports Mid‑Market growth by improving ramp‑up quality and consistency while protecting credit and operational outcome.

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.

• Negotiates loan structures and terms and conditions that align client requirements with the bank risk appetite and policies.
• Develops comprehensive credit structures to meet the transactional needs of more complex clients.
• Signs off on new, renewal and extension loans within delegated authority.
• Conducts comprehensive portfolio monitoring including covenant compliance to identify deteriorating credit conditions.
• Conducts performance analysis, engages with clients and assesses industry trends to identify risks and opportunities.
• Evaluates portfolio performance and recommends capital allocation strategies that optimize returns with investment objectives.
• Handles escalated client concerns and service requests, ensuring expectations are consistently met or exceeded.
• Leads complex proposal development and delivers presentations to capture new business and expand client relationships.
• 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 accountability for follow through.
• Builds…