Overview
Director, High Risk Portfolio Management Team Jobs in Toronto, Canada at BMO
The High‑Risk Portfolio Management Team (HRPMT) enhances CCB’s overall risk oversight capabilities by providing specialized expertise, advisory support, and strategic guidance for accounts exhibiting deteriorating financial performance, emerging risk indicators, or complex credit concerns. Unlike traditional credit roles, HRPMT operates in a consulting and advisory capacity, supporting the commercial banking lines of business with expert insights to strengthen the management of high‑risk, watch‑list, and impaired accounts.
The team works closely with relationship managers, credit partners, and leadership to ensure early identification of risk, informed decision‑making, and strong discipline around the oversight of vulnerable segments of the portfolio.
Key Responsibilities Specialized Risk Assessment & Advisory Support
- Conduct advanced financial analysis and risk assessments of clients demonstrating signs of weakness or deterioration, providing the LOB with actionable insights and recommended risk‑mitigation strategies.
- Offer guidance on appropriate structures, terms, and risk controls for high‑risk accounts, ensuring alignment with bank policies, risk appetite, and regulatory expectations.
- Advise on complex or distressed credit situations, including covenant breaches, liquidity concerns, operational challenges, and industry‑driven pressures.
- Support LOB teams with strategies for managing watch‑list, impaired, and emerging‑risk accounts, including exit strategies, recovery pathways, and restructuring options.
High‑Risk Portfolio Oversight
- Perform enhanced portfolio monitoring to detect early‑warning signals, covenant non‑compliance, or deteriorating credit trends.
- Evaluate portfolio‑level performance indicators and risk concentrations, escalating concerns where appropriate and recommending corrective actions.
- Assess the overall quality of risk management practices across the high‑risk portfolio, identifying gaps and recommending improvements.
Subject Matter Expertise & Consultancy
- Operate as a specialist resource to senior leaders and frontline teams, supporting decision‑making on complex or ambiguous credit scenarios.
- Provide expertise for the review of high‑risk transactions, challenging underlying assumptions, and advising on risk‑aligned alternatives.
- Engage with internal stakeholders to ensure consistency in the management of high‑risk exposures across the enterprise.
Governance, Reporting & Continuous Improvement
- Strengthen discipline and transparency around watch‑list and impaired account management procedures.
- Implement adjustments to risk oversight strategies in response to shifting market, economic, or client‑specific conditions.
- Contribute to enterprise initiatives that enhance risk governance, improve monitoring capabilities, and support proactive portfolio management.
Stakeholder Engagement
- Partner closely with Commercial banking stakeholders to support their management of deteriorating clients while maintaining LOB ownership of BAU underwriting and client relationships.
- Support senior leadership with insights, analysis, and recommendations to inform capital allocation decisions and risk appetite considerations.
- Engage with industry peers and internal networks to stay informed on emerging risks, competitive trends, and evolving best practices.
Qualifications
- 7+ years of experience in credit, lending, restructuring, portfolio management, or financial analysis within a corporate or banking environment.
- Strong credit qualifications, including deep knowledge of commercial credit structures, deteriorating‑credit dynamics, and high‑risk portfolio management practices.
- Bachelor’s degree required; master’s degree preferred (Business Administration, Finance, Accounting, or related field).
- Demonstrated ability to assess complex financial situations, identify risks, and recommend solutions aligned with risk appetite and enterprise policies.
- Proven capability to operate in an advisory role, influence stakeholders, and provide expertise in non‑routine, ambiguous, or sensitive credit situations.
- Strong analytical, communication, and problem‑solving skills with the ability to apply sound judgment under…
Title: Director, High Risk Portfolio Management Team
Company: BMO
Location: Toronto, Canada
Category:
