Come join our amazing team! We are currently searching for a C&I Commercial Portfolio Manager to join our Emerging Middle Market, Southern California Team. The main responsibility of this role is to evaluate the risk level of our Custom commercial transactions and make well-informed decisions based on our company's guidelines and standards. The ideal candidate should have extensive knowledge in commercial loans and be able to effectively manage a portfolio. This position is a hybrid role. + Collaborates with Relationship Managers on reasoning for a particular decision, answering potential loan request questions, identifying/resolving potential problem loans. + Prepares a comprehensive credit summary in conjunction with the Relationship Managers and Credit Manager to address all material aspect of the request. + Evaluates all financial statements (business and personal tax returns, fiscal year-end and interim statements and personal financial statements) for credit worthiness. Identifies recurring and non-recurring income/expenses. Comprehend all schedules, notes, and K-1's. Differentiates between cash and accrual method as well as comprehend UCA cash flow analysis. Consolidates related entities and summarizes results. + Identifies credit strengths, weaknesses, industry risks, and anomalies that lead to further investigation. Determines or amends applicable loan agreement covenant and monitoring requirements. + Supports management of the Relationship Manager portfolio by addressing covenant violations, completing annual review/renewals, and identifying opportunities. 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. + Provides accurate financial analysis and risk assessment of new and existing customers. + Recommends credit according to sound credit-granting principles. + Exercises individually held Commercial unilateral discretionary limits and any held prescribed approval discretionary limits. + Supports the execution of strategic initiatives in collaboration with internal and external stakeholders. + Evaluates clients’ ability to repay loans and consults on loan structure and collateral. + Identifies trends in client activities which may be predictive of deteriorating credit quality. + Performs periodic reviews of credit where more frequent monitoring may be appropriate. + Understands borrower types typical in the high net worth market and their relation to collateral ownership, loan repayment, loan structure, etc. + Grants loan requests within specified limits, using understanding of credit scoring and risk management concepts. + Monitors covenants of clients within assigned portfolio to identify deteriorating credit conditions and compliance with loan agreement. + Partners with internal stakeholders for accurate, detailed client information. + Develops credit information to make lending decisions on new, renewal and extension loans. + Assists in negotiations of terms and conditions of all decisions made via phone and e-mail interaction with clients. + Prepares summary, present facts and offer opinions concerning credit worthiness. + Minimizes BMO’s risk exposure by adhering to internal credit policies and procedures with respect to lending decisions. + Provides input into the planning and implementation of operational programs. + Builds effective relationships with internal/external stakeholders. + Focus is primarily on business/group within BMO; may have broader, enterprise-wide focus. + Exercises judgment to identify, diagnose, and solve problems within given rules. + Works independently on a range of complex tasks, which may include unique situations. + Broader work or accountabilities may be assigned as needed. **Qualifications:** + Typically between 4 - 6 years of relevant experience and post-secondary degree in related field of study or an equivalent combination of education and experience. + Technical proficiency gained through education and/or business experience. + Verbal & written communication skills - In-depth. + Collaboration & team skills - In-depth. + Analytical and problem solving skills - In-depth. + Influence skills - In-depth. + Data driven decision making - In-depth. **Salary:** $67,200.00 - $124,800.00 **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: https://jobs.bmo.com/global/en/Total-Rewards **We’re here to help** 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/us/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. BMO is an equal opportunity/affirmative action employer. All qualified applicants will receive consideration for employment without regard to sex, gender identity, sexual orientation, race, color, religion, national origin, disability, protected Veteran status, age, or any other characteristic protected by law. 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.