Relationship Manager, Commercial Banking – Special Accounts

BMO U.S.

. Manage a defined portfolio of high-risk borrowing accounts to reduce the Bank’s loss exposure and manage risks .

Posted 9/23/2026full-timeUnited StatesMid-LevelSenior💰 $75,000 - $160,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expertise in credit portfolio management, risk analysis, and strategic planning while providing specialized consulting and technical support. Proven ability to influence stakeholders and lead change management initiatives to enhance portfolio profitability and mitigate risks.

Highest-signal resume keywords

Credit Portfolio ManagementRisk AnalysisStakeholder InfluenceStrategic PlanningCoaching Skills

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit QualificationsFinancial AnalysisRisk Management FrameworkBanking Products KnowledgeData-Driven Decision-MakingCredit Transaction DocumentationLending Policies DevelopmentMarket AnalysisCredit Proposal RestructuringPerformance Monitoring

Soft Skills

Verbal CommunicationWritten CommunicationCollaborationProblem-SolvingNegotiation

Tools & Technologies

Reporting DashboardsTraining ProgramsChange Management Tools

Industry Keywords

High-Risk Borrowing AccountsCredit TransactionsBank PoliciesFinancial PerformanceEconomic DevelopmentsInsolvency ProfessionalsEmerging IssuesPortfolio ProfitabilityCredit Management PoliciesRegulatory Compliance

About the role

Key responsibilities & impact

Manage a defined portfolio of high-risk borrowing accounts to reduce the Bank’s loss exposure and manage risks
Advise internal and external stakeholders on complex, high-risk credit transactions and mitigation strategies
Make credit decisions and recommendations in accordance with sound credit-granting principles and Bank policies and procedures
Work with stakeholders to deepen relationships and grow portfolio profitability
Recommend alternatives to credit proposals, including restructuring applications and using special loan plans
Contribute to development and implementation of lending policies and procedures
Act as a trusted advisor to the assigned business/group
Influence and negotiate with debtors and guarantors to achieve business objectives
Analyze issues and implications and recommend and implement solutions
Assist in developing strategic plans and identifying emerging issues and trends
Design and develop tools and training programs and may deliver training
Conduct independent analysis and assessment to resolve strategic issues
Build and lead change-management and communication activities
Provide technical expertise, coaching, and advice to team members and sales/service employees
Coordinate workflow and exception requests and escalate concerns
Monitor financial and risk performance of the account portfolio
Perform financial and risk analysis to improve quality, liquidity, and the Bank’s security position
Document credit-transaction decisions, rationale, terms, conditions, and collateral requirements
Monitor economic and market developments affecting the portfolio
Support strategic initiatives with internal and external stakeholders, including legal and insolvency professionals
Gather and format data into regular and ad-hoc reports and dashboards
Monitor and track performance and address issues
Execute work to deliver timely, accurate, and efficient service
Provide specialized consulting, analytical, and technical support
Apply BMO’s Risk Management Framework and make sound, risk-informed decisions aligned with business strategy, policies, laws, and regulations

Requirements

What you’ll need

Typically 5 - 7 years of relevant experience
Post-secondary degree in related field of study or equivalent combination of education and experience
Credit qualifications and associated credit knowledge and skills according to established qualification standards
In-depth knowledge of banking products & services
In-depth knowledge of industry trends and regulations
In-depth knowledge of credit portfolio management policies & procedures and financing guidelines
Proven leadership skills and highly developed coaching skills
Deep knowledge and technical proficiency gained through extensive education and business experience
In-depth verbal and written communication skills
In-depth collaboration and team skills
In-depth analytical and problem-solving skills
In-depth influence skills
In-depth data-driven decision-making skills

Benefits

Comp & perks

Performance-based incentives
Discretionary bonuses
Health insurance
Tuition reimbursement
Accident and life insurance
Retirement savings plans
In-depth training and coaching
Manager support
Network-building opportunities
Tools and resources to reach new milestones
Reasonable accommodations for individuals with disabilities