US Relationship Manager – Special Account Management

BMO U.S.

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

Posted 9/22/2026full-timeUnited StatesSeniorLead💰 $75,000 - $160,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates extensive expertise in credit portfolio management, risk analysis, and strategic decision-making, while effectively collaborating with stakeholders to enhance customer experience and drive profitability. Proficient in applying regulatory knowledge and data-driven insights to inform business strategies and mitigate risks.

Highest-signal resume keywords

Credit Portfolio ManagementRisk AnalysisStakeholder EngagementData-Driven Decision-MakingRegulatory Compliance

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit QualificationsBanking Products & Services KnowledgeCredit Risk TransactionsFinancial AnalysisRisk Management FrameworkAnalytical SkillsProblem-Solving SkillsReporting and AnalyticsChange ManagementBusiness Strategy Development

Soft Skills

Verbal CommunicationWritten CommunicationInfluence SkillsCollaboration SkillsAbility to Manage Ambiguity

Tools & Technologies

Information Management SystemsDashboardsAd-Hoc Reporting Tools

Industry Keywords

High-Risk Borrowing AccountsCredit Risk MitigationLending IssuesFinancial Performance MonitoringIndustry Trends

About the role

Key responsibilities & impact

Delivers an exceptional customer experience for a defined portfolio of high-risk borrowing accounts
Applies expertise to reduce the Bank’s loss exposure and manage risks
Advises internal and external stakeholders on complex, high-risk credit risk transactions and mitigation strategies
Makes credit decisions/recommendations in accordance with sound credit-granting principles and Bank policies and procedures
Works with stakeholders to deepen relationships and grow portfolio profitability
Ensures effectiveness of risk management controls, analysis and monitoring on transactional and portfolio bases
Provides credit coaching, training and support to the direct team and other stakeholders
Provides strategic input into business decisions as a trusted advisor
Recommends strategy, new initiatives, business priorities and resource requirements to senior leaders
Acts as a subject matter expert on regulations, policies, lending issues and credit portfolio management
Networks with industry contacts for competitive insights and best practices
Influences and negotiates to achieve business objectives
Identifies emerging issues and trends to inform decision-making
Manages resources and leads strategic initiatives to deliver business and financial goals
Conducts independent analysis and assessment to resolve complex strategic issues
Develops and manages information management systems and initiatives to improve processes, analysis and reporting
Defines business requirements for analytics and reporting
Leads change management programs, communication strategies and operational programs
Supports credit due diligence for bank acquisitions or integration
Monitors financial and risk performance of the account portfolio and performs customer/account financial and risk analysis
Documents credit transaction decisions and advises on terms, conditions, collateral requirements and alternative solutions
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
Applies the Risk Management Framework and makes risk-informed decisions aligned with business strategy, asset protection, policies, laws and regulations

Requirements

What you’ll need

Typically 7+ years of relevant experience
Post-secondary degree in a 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
Able to manage ambiguity
In-depth / expert data-driven decision-making skills

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
Reasonable accommodations for individuals with disabilities