SAMU Account Manager Mid-Market

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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 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 overall profitability of the portfolio.

• Recommends alternatives to credit proposals (e.g., restructuring or special loan plans).

• 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, including action plans with debtors 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 and designs/develops tools and training programs; may deliver training.

• Helps determine business priorities and sequencing 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 efficient processes, enhanced analysis, and streamlined reporting.

• Employs systems (e.g., exception reports, tracking reports) to manage information.

• Breaks down strategic problems and analyzes data and information to provide insights and recommendations.

• Builds change‑management plans of varying scope and type; participates in readiness assessments, planning, stakeholder management, execution, evaluation, and sustainment.

• Leads or participates in defining communication plans; develops tailored messaging and identifies appropriate distribution channels.

• Provides technical expertise to team members, acting as a go‑to resource.

• Supports the manager by coordinating workflow and exception requests; escalates concerns as needed.

• Provides input into the planning and implementation of operational programs.

• Monitors the financial and risk performance of the account portfolio; analyzes customer and account information to provide insights and recommendations to improve quality, liquidity, and security position.

• Documents credit decisions with clear, understandable rationale for customers.

• Identifies and advises on terms, conditions, and collateral requirements for transaction decisions, 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 of lending issues, including loan structure, collateral, foreclosure, bankruptcy, and applicable regulations.

• Provides credit risk coaching and advice to sales and service employees to increase awareness of risk, policy, and transaction structuring.

• Supports the execution of strategic initiatives in collaboration with internal and external stakeholders.

• Builds effective relationships with internal and external stakeholders, including legal, insolvency, and advisory professionals.

• Gathers and formats data into regular and ad‑hoc reports and dashboards.

• Monitors and tracks performance and addresses issues as they arise.

• Executes work to deliver timely, accurate, and efficient service.

• Focus is primarily on business/group within BMO; may include broader enterprise‑wide work.

• Provides specialized consulting, analytical, and technical support.

• Exercises judgment to identify, diagnose, and solve problems within established rules.

• Works independently and handles non‑routine situations.

• Broader work or accountabilities may be assigned as needed.

Qualifications

• Typically 5–7 years of relevant experience and a post‑secondary degree in a related field, or equivalent combination of education and experience.

• Credit qualifications and associated credit knowledge/skills as per established standards.

• In‑depth knowledge of banking products and services, industry trends, regulations, credit portfolio management policies, and financing guidelines.

• Proven leadership and coaching skills.

• Deep technical knowledge gained through extensive education and experience.

• In‑depth verbal/written communication, collaboration, analytical, problem‑solving, influence, and data‑driven decision‑making skills.

Salary:

Pay Type:

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: https://jobs.bmo.com/global/en/Total-Rewards

About Us

At BMO we are driven by a shared Purpose: Boldly Grow the Good in business and life. It calls on us to create lasting, positive change for our customers, our communities and our people. By working together, innovating and pushing boundaries, we transform lives and businesses, and power economic growth around the world.

As a member of the BMO team you are valued, respected and heard, and you have more ways to grow and make an impact. We strive to help you make an impact from day one – for yourself and our customers. We’ll support you with the tools and resources you need to reach new milestones, as you help our customers reach theirs. From in-depth training and coaching, to manager support and network-building opportunities, we’ll help you gain valuable experience, and broaden your skillset.

To find out more visit us at https://jobs.bmo.com/ca/en.

BMO is committed to an inclusive, equitable and accessible workplace. By learning from each other’s differences, we gain strength through our people and our perspectives. Accommodations are available on request for candidates taking part in all aspects of the selection process. To request accommodation, please contact your recruiter.

Note to Recruiters: BMO does not accept unsolicited resumes from any source other than directly from a candidate. Any unsolicited resumes sent to BMO, directly or indirectly, will be considered BMO property. BMO will not pay a fee for any placement resulting from the receipt of an unsolicited resume. A recruiting agency must first have a valid, written and fully executed agency agreement contract for service to submit resumes.