Relationship Manager, Commercial Banking – Special Accounts

BMO U.S.

. Delivers an exceptional customer experience for a defined portfolio of high-risk borrowing accounts .

Posted 10/13/2026full-timeUnited StatesMid-LevelSenior💰 $75,000 - $160,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in credit portfolio management, risk analysis, and stakeholder engagement while providing strategic insights and recommendations to enhance profitability and mitigate risks. Possesses strong leadership and coaching abilities to guide teams in delivering exceptional customer experiences and achieving business objectives.

Highest-signal resume keywords

Credit Portfolio ManagementRisk AnalysisStakeholder EngagementData-Driven Decision-MakingLeadership and Coaching

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit QualificationsFinancial AnalysisRisk Management FrameworkCredit Transaction DocumentationLending Policies and ProceduresMarket AnalysisData AnalysisCredit Risk CoachingNegotiation SkillsProblem-Solving

Soft Skills

Verbal CommunicationWritten CommunicationCollaborationInfluenceTeam Skills

Tools & Technologies

Business ToolsReporting DashboardsException ReportsTracking Reports

Industry Keywords

Banking Products and ServicesCredit RiskRegulationsLoan StructureInsolvencyBankruptcyEconomic DevelopmentsFinancing GuidelinesCustomer ExperienceChange Management

About the role

Key responsibilities & impact

Delivers an exceptional customer experience for a defined portfolio of high-risk borrowing accounts
Reduces the Bank’s loss exposure and manages risks
Advises internal and external stakeholders on complex, high-risk credit transactions and mitigation strategies
Makes credit decisions and recommendations in accordance with sound credit-granting principles and Bank policies and procedures
Works with stakeholders to deepen relationships and grow portfolio profitability
Recommends alternatives to credit proposals, including restructuring applications and special loan plans
Contributes to lending-related policies and procedures
Acts as a trusted advisor to the assigned business/group
Influences and negotiates to achieve business objectives, including action plans with debtors and guarantors
Analyzes issues and implications for the business and recommends and implements solutions
Assists in strategic planning and determines business priorities
Identifies emerging issues and trends to inform decision-making
Designs and develops business tools and training programs and may deliver training
Conducts independent analysis and assessment to resolve strategic issues
Ensures stakeholder alignment and supports strategic initiatives
Integrates information from multiple sources to improve processes, analysis, and reporting
Employs customized exception reports and tracking reports to manage information
Analyzes data to provide insights and recommendations
Builds and leads change-management plans and activities
Defines communication plans, develops tailored messaging, and identifies distribution channels
Provides technical expertise and credit-risk coaching to team members and sales/service employees
Coordinates workflow and exception requests and escalates concerns
Monitors financial and risk performance of the account portfolio
Performs financial and risk analysis of customer and account information
Documents credit-transaction decisions and rationale
Advises on transaction terms, conditions, collateral requirements, and alternative solutions
Monitors economic and market developments affecting the portfolio
Maintains knowledge of lending issues, loan structure, collateral, foreclosure, bankruptcy, and applicable regulations
Builds relationships with internal and external stakeholders, including legal and insolvency professionals
Gathers and formats data into regular and ad-hoc reports and dashboards
Monitors and tracks performance and addresses issues
Executes work to deliver timely, accurate, and efficient service
Provides specialized consulting, analytical, and technical support
Exercises judgment to identify, diagnose, and solve problems
Applies BMO’s Risk Management Framework, Risk Culture, and approved Risk Appetite while protecting bank assets and complying with policies and regulations

Requirements

What you’ll need

Typically between 5 - 7 years of relevant experience
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 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

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