Senior Relationship Manager – Special Accounts

BMO U.S.

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

Posted 9/17/2026full-timeChicago • Illinois • United StatesSenior💰 $100,000 - $220,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates extensive expertise in credit risk management, including credit portfolio management policies and procedures, while providing strategic insights and recommendations to stakeholders. Proven ability to analyze complex financial data and trends to inform decision-making and enhance customer experience.

Highest-signal resume keywords

Credit Risk ManagementCredit Portfolio ManagementData-Driven Decision MakingStakeholder Relationship ManagementRegulatory Compliance

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit QualificationsCredit AnalysisFinancial AnalysisRisk Management FrameworkBanking Products KnowledgeCredit Transaction DocumentationPortfolio Financial Performance MonitoringBusiness Requirements DefinitionChange ManagementOperational Program Leadership

Soft Skills

Verbal CommunicationWritten CommunicationAnalytical Problem SolvingInfluence SkillsCollaboration Skills

Tools & Technologies

Information Management SystemsReporting Dashboards

Industry Keywords

High-Risk Borrowing AccountsCredit Risk TransactionsLending IssuesEmerging Issues and TrendsStrategic Roadmaps

About the role

Key responsibilities & impact

Deliver an exceptional customer experience for a defined portfolio of high-risk borrowing accounts
Reduce the Bank’s loss exposure and manage risks
Advise internal and external stakeholders on complex, high-risk credit risk 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
Ensure effectiveness of risk management controls, analysis and monitoring
Provide credit coaching, training and support to teams and stakeholders
Provide strategic input and act as a trusted advisor to business stakeholders
Recommend strategy and new initiatives to senior leaders
Act as subject matter expert on relevant regulations, policies and lending issues
Identify emerging issues and trends to inform decision-making
Recommend business priorities, resource requirements and strategic roadmaps
Manage resources and lead strategic initiatives to deliver business and financial goals
Conduct independent analysis and assessment to resolve strategic issues
Develop and manage information management systems and improve processes, analysis and reporting
Define business requirements for analytics and reporting
Lead change management and communication strategy programs
Collaborate across BMO on communication strategies and messaging
Lead operational programs and adapt execution to ensure quality
Support credit due diligence for bank acquisitions or integration
Monitor portfolio financial and risk performance and perform customer/account financial and risk analysis
Document credit transaction decisions, rationale, terms, conditions and collateral requirements
Build relationships with internal/external stakeholders, including legal and insolvency professionals and consultants
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
Operate at group/enterprise-wide level as a specialist resource to senior leaders and stakeholders
Implement changes in response to shifting trends and make risk-informed decisions aligned with business strategy and risk appetite

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
Credit Qualifications and associated credit knowledge and skills according to established qualification standards
In-depth / expert knowledge of banking products & services
In-depth / expert knowledge of industry trends and regulations
In-depth / expert knowledge of credit portfolio management policies & procedures, and financing guidelines
Seasoned professional with a 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
Ability to apply the Risk Management Framework and comply with applicable policies, laws and regulations

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