Senior Credit Officer, Commercial Real Estate

BMO U.S.

. Independently review, structure, and adjudicate complex commercial real estate credit applications .

Posted 10/1/2026full-timeToronto • CanadaSenior💰 CA$85,500 - CA$185,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates deep expertise in commercial real estate credit adjudication, underwriting, and risk assessment, with a proven ability to evaluate complex transactions and make sound, risk-based lending decisions. Possesses exceptional attention to detail, strong leadership, and effective communication skills to mentor teams and collaborate across departments.

Highest-signal resume keywords

Commercial Real Estate Credit AdjudicationRisk AssessmentCredit Portfolio ManagementLeadership SkillsAnalytical Problem-Solving

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit UnderwritingTransaction Risk EvaluationCash Flow AnalysisCollateral Quality AssessmentRegulatory ComplianceCredit Decision-MakingPortfolio Quality MaintenanceMarket Trend AnalysisFinancing Structures DevelopmentData-Driven Decision-Making

Soft Skills

Coaching SkillsAttention to DetailCommunication SkillsCollaboration SkillsInfluence Skills

Industry Keywords

Commercial Real EstateBanking ProductsLending PoliciesCredit QualificationsEconomic DevelopmentsIndustry Best PracticesEmerging RisksCredit ConcernsStrategic InitiativesCross-Group Collaboration

About the role

Key responsibilities & impact

Independently review, structure, and adjudicate complex commercial real estate credit applications
Serve as a senior credit authority and subject matter expert for commercial real estate lending
Provide recommendations and approvals within delegated lending authority
Evaluate transaction risk, borrower strength, cash flow, collateral quality, market conditions, and overall creditworthiness
Partner with Relationship Managers and front-line lending teams to develop sound financing structures
Monitor and maintain the overall quality of the commercial real estate portfolio
Identify emerging risks, market trends, and potential credit concerns
Review approximately 400 credit transactions annually
Coach, mentor, and provide oversight to less experienced Line Officers and underwriting professionals
Provide clear and concise credit decisions, including rationale, terms, conditions, covenants, and collateral requirements
Provide risk insights, industry expertise, and recommendations to senior stakeholders and business partners
Collaborate across lending, risk, and operational teams to drive process improvements and support strategic initiatives
Stay current on commercial real estate market trends, economic developments, regulatory requirements, and industry best practices
Support special projects, portfolio reviews, and strategic initiatives
Serve as a trusted advisor on complex or non-routine credit matters

Requirements

What you’ll need

Typically 7+ years of relevant experience
Post-secondary degree in related field of study or an equivalent combination of education and experience
Deep expertise in commercial real estate credit adjudication, underwriting, and risk assessment
Proven ability to evaluate complex transactions and make sound, risk-based lending decisions
Exceptional attention to detail and credit judgment
Demonstrated track record of maintaining portfolio quality, identifying potential risks, and ensuring compliance with lending policies and regulatory requirements
Credit qualifications and associated credit knowledge and skills according to established qualification standards
In-depth / expert knowledge of banking products and services
In-depth / expert knowledge of industry trends and regulations
In-depth / expert knowledge of credit portfolio management policies and procedures and financing guidelines
Proven leadership skills and highly developed coaching skills
Combination of education, experience, and industry knowledge
In-depth / expert verbal and written communication skills
In-depth / expert analytical and problem-solving skills
In-depth / expert influence skills
In-depth / expert collaboration and team skills, with a focus on cross-group collaboration
Ability to manage ambiguity
In-depth / expert data-driven decision-making skills

Benefits

Comp & perks

Performance-based incentives
Discretionary bonuses
Other perks and rewards
Health insurance
Tuition reimbursement
Accident and life insurance
Retirement savings plans
In-depth training and coaching
Manager support
Network-building opportunities
Accommodations available on request for candidates taking part in all aspects of the selection process