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Overview

The High0Risk Portfolio Management Team (HRPMT) enhances CCB0s overall risk oversight capabilities by providing specialized expertise, advisory support, and strategic guidance for accounts exhibiting deteriorating financial performance, emerging risk indicators, or complex credit concerns. Unlike traditional credit roles, HRPMT operates in a consulting and advisory capacity, supporting the commercial banking lines of business with expert insights to strengthen the management of high0risk, watch0list, and impaired accounts.

The team works closely with relationship managers, credit partners, and leadership to ensure early identification of risk, informed decision0making, and strong discipline around the oversight of vulnerable segments of the portfolio.

Key Responsibilities

Specialized Risk Assessment & Advisory Support

• Conducts advanced financial analysis and risk assessments of clients demonstrating signs of weakness or deterioration, providing the LOB with actionable insights and recommended risk0mitigation strategies.
• Offers guidance on appropriate structures, terms, and risk controls for high0risk accounts, ensuring alignment with bank policies, risk appetite, and regulatory expectations.
• Advises on complex or distressed credit situations, including covenant breaches, liquidity concerns, operational challenges, and industry0driven pressures.
• Supports LOB teams with strategies for managing watch0list, impaired, and emerging0risk accounts, including exit strategies, recovery pathways, and restructuring options.

High0Risk Portfolio Oversight

• Performs enhanced portfolio monitoring to detect early0warning signals, covenant non0compliance, or deteriorating credit trends.
• Evaluates portfolio0level performance indicators and risk concentrations, escalating concerns where appropriate and recommending corrective actions.
• Assesses the overall quality of risk management practices across the high0risk portfolio, identifying gaps and recommending improvements.

Subject Matter Expertise & Consultancy

• Operates as a specialist resource to senior leaders and frontline teams, supporting decision0making on complex or ambiguous credit scenarios.
• Provides expertise for the review of high0risk transactions, challenging underlying assumptions, and advising on risk0aligned alternatives.
• Engages with internal stakeholders to ensure consistency in the management of high0risk exposures across the enterprise.

Governance, Reporting & Continuous Improvement

• Strengthens discipline and transparency around watch0list and impaired account management procedures.
• Implements adjustments to risk oversight strategies in response to shifting market, economic, or client0specific conditions.
• Contributes to enterprise initiatives that enhance risk governance, improve monitoring capabilities, and support proactive portfolio management.

Stakeholder Engagement

• Partners closely with Commercial banking stakeholders to support their management of deteriorating clients while maintaining LOB ownership of BAU underwriting and client relationships.
• Supports senior leadership with insights, analysis, and recommendations to inform capital allocation decisions and risk appetite considerations.
• Engages with industry peers and internal networks to stay informed on emerging risks, competitive trends, and evolving best practices.

Qualifications

• 7+ years of experience in credit, lending, restructuring, portfolio management, or financial analysis within a corporate or banking environment.
• Strong credit qualifications, including deep knowledge of commercial credit structures, deteriorating0credit dynamics, and high0risk portfolio management practices.
• Bachelor0s degree required; master0s degree preferred (Business Administration, Finance, Accounting, or related field).
• Demonstrated ability to assess complex financial situations, identify risks, and recommend solutions aligned with risk appetite and enterprise policies.
• Proven capability to operate in an advisory role, influence stakeholders, and provide expertise in non0routine, ambiguous, or sensitive credit situations.
• Strong analytical, communication, and problem0solving skills with the ability to apply sound judgment under pressure.

The above represents BMO Financial Group0s 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 Group0s expected target for the first year in this position.

BMO Financial Group0s 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: