Senior Relationship Manager - Special Accounts

Application Deadline: 09/30/2026

Address: 320 S Canal Street

Job Family Group: Customer Shared Services

Hybrid requirement: 3x per week, in office (subject to change)

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 risk 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 the overall profitability of the portfolio.

• Works with stakeholders to ensure effectiveness of risk management controls, analysis and monitoring on a transactional and portfolio basis.

• Provides credit coaching, training and support to direct team and other stakeholders as required.

• Provides strategic input into business decisions as a trusted advisor.

• Makes recommendations to senior leaders on strategy and new initiatives, based on an in-depth understanding of the business/group.

• Acts as a subject matter expert on relevant regulations and policies.

• May network with industry contacts to gain competitive insights and best practices.

• Influences and negotiates to achieve business objectives.

• Identifies emerging issues and trends to inform decision-making.

• Recommends business priorities, advises on resource requirements and develops roadmap for strategic execution.

• Manages resources and leads the execution of strategic initiatives to deliver on business and financial goals.

• Conducts independent analysis and assessment to resolve strategic issues.

• Acts as the prime subject matter expert for internal/external stakeholders.

• Ensures alignment between stakeholders.

• Develops and manages comprehensive information management systems; designs and/or leads initiatives to improve processes, analysis and reporting.

• Defines business requirements for analytics & reporting to ensure data insights inform business decision making.

• Leads change management programs of varying scope and type, including readiness assessments, planning, stakeholder management, execution, evaluation and sustainment of initiatives.

• Leads the development of the communication strategy focusing on positively influencing or changing behaviour.

• Collaborates across BMO to develop communications strategies and ensure consistency of messaging, in order to positively influence or change behaviour.

• Leads the execution of operational programs; assesses and adapts as needed to ensure quality of execution.

• Supports credit due diligence activities for bank acquisitions or integration.

• Monitors the financial and risk performance of account portfolio; performs financial and risk analysis of customer and account information to provide insights and recommendations on how to improve quality, liquidity and Bank’s security position.

• Documents decisions on credit transactions with rationale that can be understood and explained to customers.

• Identifies and advises on terms, conditions and collateral requirements for the transaction decision 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 around lending issues, including loan structure, collateral, foreclosure, bankruptcy and the various regulations that directly impact the Bank.

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

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

• Builds effective relationships with internal/external stakeholders; includes legal and insolvency professionals and other consultants/advisors in the commercial business community.

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

• Monitors and tracks performance and addresses any issues.

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

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

• Operates at a group/enterprise-wide level and serves as a specialist resource to senior leaders and stakeholders.

• Applies expertise and thinks creatively to address unique or ambiguous situations and to find solutions to problems that can be complex and non-routine.

• Implements changes in response to shifting trends.

• Broader work or accountabilities may be assigned as needed.

• Take measured risks while protecting the bank by applying our Risk Management Framework in the execution of your role, in line with our Risk Culture and within our approved Risk Appetite, making sound and risk informed decisions that align to business strategy, protect assets, and adhere to applicable policy documents (Frameworks, Policies, Standards, Procedures and Supporting documents), laws and regulations.

Qualifications:

• Typically 7+ years of relevant experience and post-secondary degree in related field of study or an equivalent combination of education and experience.

• Credit Qualifications and associated credit knowledge and skills according to the established qualification standards.

• In-depth / expert knowledge of banking products & services.

• In-depth / expert knowledge of industry trends and regulations.

• In-depth / expert knowledge of credit portfolio management policies & procedures, and financing guidelines.

• Seasoned professional with a combination of education, experience and industry knowledge.

• Verbal & written communication skills - In-depth / Expert.

• Analytical and problem solving skills - In-depth / Expert.

• Influence skills - In-depth / Expert.

• Collaboration & team skills; with a focus on cross-group collaboration - In-depth / Expert.

• Able to manage ambiguity.

• Data driven decision making - In-depth / Expert.

Salary: $100,000.00 - $220,000.00

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

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 http://jobs.bmo.com/us/en

BMO is proud to be an equal employment opportunity employer. We evaluate applicants without regard to race, religion, color, national origin, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, transgender status, sexual stereotypes, age, status as a protected veteran, status as an individual with a disability, or any other legally protected characteristics. We also consider applicants with criminal histories, consistent with applicable federal, state and local law.

BMO is committed to working with and providing reasonable accommodations to individuals with disabilities. If you need a reasonable accommodation because of a disability for any part of the employment process, please send an e-mail to BMOCareers.Support@bmo.com and let us know the nature of your request and your contact information.

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.