Senior Credit Risk Reviewer

BMO U.S.

. Conduct independent examinations of credits and portfolios to ensure risk rating accuracy and asset quality .

Posted 11/6/2026full-timeUnited StatesSenior💰 $85,000 - $180,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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

Demonstrates extensive expertise in credit risk evaluation, credit administration, and compliance with banking regulations. Proven ability to analyze data for strategic decision-making and develop effective communication strategies across teams.

Highest-signal resume keywords

Credit Risk EvaluationCredit AdministrationData Driven Decision MakingAnalytical and Problem Solving SkillsCollaboration and Team Skills

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit QualificationCredit AnalyticsRisk EvaluationCommercial Lending ProcessesRetail Lending ProcessesLoan WorkoutsFinancial AnalysisAccounting PracticesPolicy DevelopmentPortfolio Management

Soft Skills

Verbal CommunicationWritten CommunicationInfluence SkillsCollaboration SkillsAbility to Manage Ambiguity

Certifications & Qualifications

CPAMBACFA

Industry Keywords

Credit Risk ReviewBanking RegulationsCorporate PoliciesCredit Administration StandardsProblem Credit ManagementLending AreasRisk ManagementGovernance SystemsInternal ControlStrategic Issues

About the role

Key responsibilities & impact

Conduct independent examinations of credits and portfolios to ensure risk rating accuracy and asset quality
Provide independent assurance on internal control, risk management, and governance systems and processes to senior management and the Board
Identify unacceptable/high-risk circumstances that could materially impact profitability or reputation
Advise on credit policies and processes for account management
Make recommendations to senior leaders on strategy and new initiatives
Act as a subject matter expert on relevant regulations and policies
Conduct independent analysis and assessment to resolve strategic issues
Develop business cases by identifying needs, analyzing options, and assessing expected return on investment
Collaborate with senior leaders to maximize risk return and improve the customer experience through lending
Analyze data and information to provide insights and recommendations
Manage review findings, communications, escalations, and follow-up action plans
Develop communications strategies across BMO
Participate in special credit reviews, research, portfolio reviews, target examinations, portfolio deep dives, and special credit reviews
Hire and onboard new team members where appropriate
Develop a highly engaged team with specialized expertise
Ensure subordinate work meets standards and judgments are sound, documented, and repeatable
Manage staff performance and performance assessments
Review and rate credit risks for assigned commercial and/or retail loan portfolios
Assess adherence to policies and procedures, credit analysis, collateral evaluation, monitoring, underwriting quality, and problem-credit management
Assign portfolio quality and risk-profile grades and assess compliance with bank policies and procedures
Recommend action plans for resolving material issues
Provide training and support to internal stakeholders on risk-rating accuracy and credit-risk best practices
Build relationships with lending areas and risk management
Complete investigations, assigned tasks, reports, and overall review assessments accurately and timely
Represent Credit Risk Review in cross-enterprise working groups
Aggregate Credit Risk Review intelligence, identify issues, and report to senior management, committees, and/or Boards
Participate in due diligence for portfolio or bank acquisitions through credit risk evaluations
Contribute to loan policy and procedure development and implementation
Serve as a specialist resource to senior leaders and stakeholders at group/enterprise-wide level
Address complex and non-routine situations and implement changes in response to shifting trends
Perform broader work or accountabilities as assigned

Requirements

What you’ll need

Typically between 15+ years of relevant experience and/or certification in related field of study or an equivalent combination of education and experience
Professional designations or business designation: CPA, MBA, CFA
Credit qualification required according to the standards established within the Credit Qualification Process Policies and Procedures
Superior knowledge of all phases of effective credit administrations, policies and procedures, commercial lending and/or retail lending processes, and analytical practices
Ability to identify early warning signals and required practices for management of problem accounts
Experience with loan workouts preferred
Extensive knowledge of Corporate Policies/Standards, Commercial and/or Retail Lending Process and Directives, the enterprise’s credit culture and procedures, and general banking practices and regulations
Superior credit analytics and risk evaluation skills
Strong finance and accounting practice skills
Seasoned professional with a combination of education, experience and industry knowledge
Verbal & written communication skills - In-depth / Expert
Analytical and problem solving skills - In-depth / Expert
Influence skills - In-depth / Expert
Collaboration & team skills; with a focus on cross-group collaboration - In-depth / Expert
Able to manage ambiguity
Data driven decision making - In-depth / Expert

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
Tools and resources to reach new milestones
Equal employment opportunity
Reasonable accommodations for individuals with disabilities