Commercial Real Estate Portfolio Manager

Application Deadline:

01/30/2025

Address:

2527 Camino Ramon

Job Family Group:

Commercial Sales & Service

Facilitates decisioning and analysis of all types of credit information to support lending decisions and processes within the bank's US Commercial Real Estate team. 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:

• Underwrites, analyzes and prepares credit memos. Develops credit information to make lending decisions on new, renewal and extension loans.
• Reviews, analyzes and evaluates risks of new or existing business.
• Manages and services a portfolio of existing loan relationships.
• Ensures financial statements are spread and analyzed, addressing industry risks, monitoring collateral requirements, loan structuring and pricing, credit analysis, monitoring credit performance and assisting with loan presentations.
• Handles reporting on loans such as past dues, documentation and collateral exceptions, financial performance updates, portfolio profitability, risk grades, etc. and provides accurate financial analysis and risk assessment of new and existing customers.
• Prepares summary, present facts and offer opinions concerning credit worthiness.
• Keeps informed of financial and market trends in the portfolio and analyzes those trends for the effect they will have on the portfolio.
• Expands and builds relationships with a high degree of resultant customer satisfaction.
• Establishes cross-selling initiatives to increase penetration with client.
• Applies deep expertise in bank products, processes and systems and effectively trouble shooting to ensure a high-quality client experience.
• May coordinate closing with closing department, clients and attorneys.
• Serves as a daily escalation resource to ensure client expectations are met or exceeded.
• Acts as a trusted advisor to assigned business/group.
• Influences and negotiates to achieve business objectives.
• Recommends and implements solutions based on analysis of issues and implications for the business.
• Conducts independent analysis and assessment to resolve strategic issues.
• Helps determine business priorities and best sequence for execution of business/group strategy.
• Acts as the prime subject matter expert for internal/external stakeholders.
• Participates in the development of financial models and other analytical tools to assist clients in evaluating capital structure.
• Designs and produces regular and ad-hoc reports, and dashboards.
• Maintains current on financing trends in target clients' markets, and communicate same to team members.
• Oversees preparation of concise, well reasoned credit correspondence.
• Coordinates the preparation of lending proposals and pitches to prospective clients with efforts to maximize penetration and returns.
• Negotiates transactions with clients and provides deal structuring expertise.
• Oversees documentation and ongoing monitoring of asset and client performance.
• May manage work flow of other analysts by aligning tasks with departmental goals and objectives.
• Partners with internal stakeholders for accurate, detailed client information.
• Assists in negotiations of terms and conditions of all decisions made via phone and e-mail interaction with clients.
• 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.
• Provides specialized consulting, analytical and technical support.
• Exercises judgment to identify, diagnose, and solve problems within given rules.
• Works independently and regularly handles non-routine situations.
• Broader work or accountabilities may be assigned as needed.

Qualifications:

• 5 - 7 years of relevant experience in Portfolio Management
• Deep knowledge and technical proficiency in Commercial Real Estate Portfolio Management
• Experience in analysing Credit Information and making Credit Decisions
• Experience in supporting Lending Decisions
• Verbal & written communication skills - In-depth.
• Collaboration & team skills - In-depth.
• Analytical and problem-solving skills - In-depth.
• Influenc