Manager, Credit & Portfolio Management (Emerging Middle Market)

About the position

This position will manage a team of Portfolio Managers to support the Emerging Middle Market C&I portfolio in Southern California. Facilitates decisioning and analysis of all types of credit information to support lending decisions and processes for the bank. Maintains and promotes a client service environment to satisfy and exceed customer needs and expectations. This role will make credit decisions and recommendations in accordance with sound credit-granting principles and in compliance with Bank Policies & Procedures.

Responsibilities
• Fosters a culture aligned to BMO purpose, values and strategy and role models BMO values and behaviours in all that they do.
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• Ensures alignment between values and behaviour that fosters diversity and inclusion.
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• Regularly connects work to BMO's purpose, sets inspirational goals, defines clear expected outcomes, and ensures clear accountability for follow through.
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• Builds interdependent teams that collaborate across functional and operating groups to create the highest value for all stakeholders.
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• Attracts, retains, and enables the career development of top talent.
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• Improves team performance, recognizes and rewards performance, coaches employees, supports their development, and manages poor performance.
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• Establishes cross-selling initiatives to increase penetration with client.
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• Applies deep expertise in bank products, processes and systems and effectively trouble shooting to ensure a high-quality client experience.
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• May coordinate closing with closing department, clients and attorneys.
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• Serves as a daily escalation resource to ensure client expectations are met or exceeded.
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• Acts as a trusted advisor to assigned business/group.
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• Influences and negotiates to achieve business objectives.
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• Recommends and implements solutions based on analysis of issues and implications for the business.
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• Conducts independent analysis and assessment to resolve strategic issues.
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• Helps determine business priorities and best sequence for execution of business/group strategy.
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• Acts as the prime subject matter expert for internal/external stakeholders.
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• Participates in the development of financial models and other analytical tools to assist clients in evaluating capital structure.
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• Designs and produces regular and ad-hoc reports, and dashboards.
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• Maintains current on financing trends in target clients' markets, and communicate same to team members.
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• Leads or participates in defining the communication plan designed to positively influence or change behaviour; develops tailored messaging; and identifies appropriate distribution channels.
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• Oversees preparation of concise, well reasoned credit correspondence.
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• Coordinates the preparation of lending proposals and pitches to prospective clients with efforts to maximize penetration and returns.
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• Negotiates transactions with clients and provides deal structuring expertise.
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• Oversees documentation and ongoing monitoring of asset and client performance.
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• May manage work flow of other analysts by aligning tasks with departmental goals and objectives.
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• Provides accurate financial analysis and risk assessment of new and existing customers.
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• Partners with internal stakeholders for accurate, detailed client information.
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• Develops credit information to make lending decisions on new, renewal and extension loans.
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• Assists in negotiations of terms and conditions of all decisions made via phone and e-mail interaction with clients.
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• Prepares summary, present facts and offer opinions concerning credit worthiness.
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• Minimizes BMO's risk exposure by adhering to internal credit policies and procedures with respect to lending decisions.
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• Provides input into the planning and implementation of operational programs.
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• Builds effective relationships with internal/external stakeholders.
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• Focus is primarily on business/group within BMO; may have broader, enterprise-wide focus.
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• Provides specialized consulting, analytical and technical support.
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• Exercises judgment to identify, diagnose, and solve problems within given rules.
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• Works independently and regularly handles non-routine situations.
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• Broader work or accountabilities may be assigned as needed.

Requirements
• Typically between 5 - 7 years of relevant experience and post-secondary degree in related field of study or an equivalent combination of education and experience.
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• Deep knowledge and technical proficiency gained through extensive education and business experience.
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• Verbal & written communication skills - In-depth.
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• Collaboration & team skills - In-depth.
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• Analytical and problem solving skills - In-depth.
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• Influence skills - In-depth.
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• Data driven decision making - In-depth.

Nice-to-haves

Benefits
• Health insurance
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• Tuition reimbursement
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• Accident and life insurance
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• Retirement savings plans

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