Special Accounts Management Unit (SAMU) Relationship Manager

Application Deadline:

03/20/2025

Address:

915 Wilshire Blvd.

Job Family Group:

Customer Shared Services

Are you a seasoned banking professional with a strong background in loan workout, portfolio management, and/or deal structuring? Do you thrive in high-stakes environments where your expertise in credit analysis and client relationship management directly impacts financial outcomes? If so, this opportunity with BMO’s Special Accounts Management Unit (SAMU) is for you!

As a SAMU Relationship Manager, you will play a critical role in protecting the bank from financial loss while working closely with clients in distressed financial situations. You will assess risk, structure deals strategically, and negotiate solutions that benefit both the client and the bank.

What You’ll Do:
- Manage a portfolio of high-risk commercial banking accounts, proactively mitigating financial losses.
- Conduct in-depth credit analysis and risk assessments to determine the financial viability of businesses.
- Engage directly with clients, leading tough conversations around financial restructuring, risk mitigation, and repayment strategies.
- Structure and negotiate complex deals, ensuring compliance with regulatory requirements.
- Collaborate with internal stakeholders, including legal teams, to manage insolvency, foreclosure, and bankruptcy cases when necessary.

What We’re Looking For:
We seek a dynamic, strategic thinker who thrives at the intersection of relationship management and portfolio oversight. The ideal candidate will have:
- Background in commercial banking, with experience in special assets, managed assets, loan workouts, or credit risk management.
- Strong expertise in credit analysis, deal structuring, and risk assessment.
- Ability to negotiate effectively and communicate complex financial matters to clients.
- Experience working in a highly regulated banking environment, with a strong understanding of risk rating frameworks.
- Legal finance experience (bankruptcy, insolvency, foreclosure) is a plus.

 Preferred Qualifications:
- Experience as a Portfolio Manager, Relationship Manager, or Underwriter in a commercial banking environment.
- Strong financial acumen and the ability to balance risk management with strategic decision-making.
- CRC certification is nice to have but not required.

Actively seeking candidates based in California. This role requires in-person client interactions, so candidates should be comfortable traveling as needed. Work arrangement is hybrid with at least 2 days a week in-office collaboration required.

If you’re looking for your next dream job, consider this one in BMO’s Enterprise Risk Group where every colleague helps protect and grow the bank by providing independent review and oversight of enterprise-wide risks, working together to maintain a risk management framework and fostering a strong risk culture.  #ERPMDreamJobs

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.

• Recommends alternatives to credit proposals e.g. restructuring of the application and/or use of special loan plans available.

• 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; includes action plans with debtor 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, designs/develops tools and training programs; may include delivery of training to audiences.

• Helps determine business priorities and best sequence 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 more efficient processes, enhanced analysis and/or streamlined reporting.

• Employs systems (e.g. customized exception reports, tracking reports etc.) to manage i