Senior Credit Officer – Director, Financial Institutions

BMO U.S.

. Provides independent credit adjudication, approval, and risk oversight for a portfolio of Financial Institution clients .

Posted 9/23/2026full-timeUnited StatesSenior💰 $130,000 - $270,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates extensive expertise in Credit Risk Management, with a focus on Financial Institutions and Counterparty Credit Risk. Proven ability to analyze complex transactions, provide strategic recommendations, and lead risk oversight initiatives while fostering strong stakeholder relationships.

Highest-signal resume keywords

Credit Risk ManagementFinancial Institutions AnalysisComplex Transaction ApprovalStakeholder ManagementRegulatory Compliance

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit UnderwritingFinancial Statement AnalysisPortfolio ManagementRisk Governance PracticesTrading Products ExpertiseDerivatives KnowledgeCounterparty Risk ManagementMarket Insights AnalysisRisk Mitigation StrategiesCredit Policies Understanding

Soft Skills

LeadershipInfluencingNegotiationAnalytical Problem-SolvingCommunication

Certifications & Qualifications

CFAFRMCPAMBA

Industry Keywords

Capital MarketsFinancial IntermediariesRisk OversightCredit FrameworksEmerging Risks

About the role

Key responsibilities & impact

Provides independent credit adjudication, approval, and risk oversight for a portfolio of Financial Institution clients
Evaluates complex lending, counterparty credit, and trading-product exposures
Ensures alignment with the Bank's risk appetite, credit policies, regulatory standards, and portfolio objectives
Acts as a trusted advisor to senior business and risk leaders on credit decisions, portfolio management, emerging risks, and complex transaction structures
Independently assesses, approves, and provides recommendations on complex credit transactions involving Financial Institution counterparties
Evaluates counterparty credit risk, transaction structures, collateral, and risk mitigants
Monitors portfolio quality, emerging risks, and market developments
Leads complex credit reviews, portfolio assessments, and risk management initiatives
Provides independent analysis and recommendations on significant transactions and emerging risk issues
Partners with Capital Markets, Treasury, Legal, Compliance, and Risk teams
Supports regulatory reviews, audits, and governance activities
Builds relationships with internal and external stakeholders and represents Credit Risk in key forums and committees
Leverages portfolio analytics, reporting, and market insights to identify trends and inform decision-making
Drives enhancements to credit frameworks, monitoring tools, reporting, and risk management processes
Leads strategic and operational initiatives that improve effectiveness and risk oversight
Provides coaching, mentorship, and credit expertise to team members and business partners
Fosters a strong risk culture and promotes sound credit judgment
Serves as a senior subject matter expert in Financial Institutions and Counterparty Credit Risk

Requirements

What you’ll need

15+ years of progressive experience in Credit Risk, Financial Institutions, Capital Markets, or Counterparty Credit Risk
Extensive experience analyzing and underwriting Financial Institution clients, including banks, broker-dealers, insurance companies, and other financial intermediaries
Strong expertise in trading products, derivatives, securities financing transactions, and counterparty risk management
Deep understanding of financial statement analysis, credit underwriting, portfolio management, and capital markets risk
Expert knowledge of banking products, regulatory frameworks, credit policies, and risk governance practices
Proven ability to make sound credit decisions on highly complex transactions and relationships
Strong leadership, stakeholder management, influencing, and negotiation skills
Exceptional analytical, problem-solving, and decision-making capabilities
Excellent written and verbal communication skills with the ability to present complex credit matters to senior executives and risk committees
CFA, FRM, CPA, MBA, or similar professional designation

Benefits

Comp & perks

Performance-based incentives
Discretionary bonuses
Other perks and rewards
Health insurance
Tuition reimbursement
Accident insurance
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