04/26/2026

Address:

100 King Street West

Commercial Sales & Service

The DTL – Training role sits within Mid‑Market underwriting and is accountable for building scalable, consistent underwriting capability through structured training cohorts and onboarding. It leads cohort execution by setting expectations, coordinating the learning path, and ensuring trainees can perform in the Mid‑Market environment as the operating model evolves.
The role helps shift the program away from heavy reliance on ad‑hoc SME facilitation toward repeatable delivery and sustainable development practices.

A key focus is hands‑on deal coaching and review, embedding learning directly in day‑to‑day work and reinforcing consistent credit execution.
Training coverage includes operational execution (excesses, drawdowns, PDAR, margins, covenants) and readiness for platform/process expectations (including LTS). It also strengthens commercial acumen—TPS opportunity identification, pricing discipline, and effective client conversations and negotiation fundamentals.

Ultimately, the role supports Mid‑Market growth by improving ramp‑up quality and consistency while protecting credit and operational outcome

Analyzes credit information to support lending decisions and processes for new and existing Commercial banking loans and credit solutions in an assigned portfolio of clients. Makes credit decisions and recommendations in compliance with bank policies and procedures while maintaining an exceptional client service environment.

• Negotiates loan structures and terms and conditions that align client requirements with the bank risk appetite and policies.
• Develops comprehensive credit structures to meet the transactional needs of more complex clients.
• Signs off on new, renewal and extension loans within delegated authority.
• Conducts comprehensive portfolio monitoring including covenant compliance to identify deteriorating credit conditions.
• Conducts performance analysis, engages with clients and assesses industry trends to identify risks and opportunities.
• Evaluates portfolio performance and recommends capital allocation strategies that optimize returns with investment objectives.
• Handles escalated client concerns and service requests, ensuring expectations are consistently met or exceeded.
• Leads complex proposal development and delivers presentations to capture new business and expand client relationships.
• Engages with industry peers and networks to gather competitive insights and best practices, applying this knowledge to maintain a competitive edge.
• Builds and maintains client relationships to ensure long-term financial performance in collaboration with Relationship Manager and business partners.
• Structures and supports new, renewal and extension loans aligned with client needs and bank & risk policies.
• Conducts financial analysis and risk assessments of clients’ credit information, for an assigned portfolio, to provide insights and make informed decisions.
• Monitors the portfolio performance for assigned portfolio of Commercial Banking clients on an ongoing basis, taking corrective action when required. 
• Minimizes BMO’s risk exposure by adhering to credit policies, regulatory standards, and operational guidelines.
• Serves as a point of contact for service requests, ensuring expectations are consistently met or exceeded.  Escalates issues when needed.
• Supports and implements initiatives to enhance service quality, acquire new business and expand client relationships.
• Identifies revenue and cross-selling opportunities to enhance portfolio growth.
• Identifies share of wallet opportunities.
• Leverages analysis tools to nurture and grow a portfolio that exceeds ROE thresholds and evaluates client returns on a proactive basis.
• Manages timely and accurate data entry into BMO's systems and leverages the data to support decision-making.
• Fosters a culture aligned to BMO purpose, values and strategy and role models BMO values and behaviours in all that they do.
• Ensures alignment between values and behaviour that fosters diversity and inclusion.
• Regularly connects work to BMO’s purpose, sets inspirational goals, defines clear expected outcomes, and ensures clear accountability for follow through.
• Builds interdependent teams that collaborate across functional and operating groups to create the highest value for all stakeholders.
• Attracts, retains, and enables the career development of top talent.
• Improves team performance, recognizes and rewards performance, coaches employees, supports their development, and manages poor performance.
• Operates at a group/enterprise-wide level and serves as a specialist resource to senior leaders and stakeholders.
• Applies expertise and thinks creatively to address unique or ambiguous situations and to find solutions to problems that can be complex and non-routine.
• Implements changes in response to shifting trends.
• Broader work or accountabilities may be assigned as needed.

Qualifications:

• Preferred 7+ years of relevant experience in credit or lending instruments or financial operations in a corporate or banking environment.
• Bachelor’s degree required, Master’s degree preferred; Business Administration, Finance and Accounting preferred. Any other related discipline or commensurate work experience considered.
• If a Credit Qualifiable job, Credit Qualifications and associated credit knowledge and skills according to the credit portfolio requirements and qualification standards.
• Seasoned professional with a combination of education, experience and industry knowledge.

Intermediate level of proficiency:

• Structuring Deals
• Change Management

Advanced level of proficiency:

• People Management
• Detail-Oriented
• Leadership

Expert level of proficiency:

• Loan Structuring
• Regulatory Compliance
• Portfolio Management
• Credit Risk Assessment
• Banking Operations
• Financial analysis
• Microsoft Office
• Problem Solving
• Customer Service

$86,000.00 - $160,000.00

Salaried

The above represents BMO Financial Group’s pay range and type.

Salaries will vary based on factors such as location, skills, experience, education, and qualifications for the role, and may include a commission structure. Salaries for part-time roles will be pro-rated based on number of hours regularly worked. For commission roles, the salary listed above represents BMO Financial Group’s expected target for the first year in this position.

BMO Financial Group’s total compensation package will vary based on the pay type of the position and may include performance-based incentives, discretionary bonuses, as well as other perks and rewards. BMO also offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans. To view more details of our benefits, please visit: https://jobs.bmo.com/global/en/Total-Rewards

About Us

At BMO we are driven by a shared Purpose: Boldly Grow the Good in business and life. It calls on us to create lasting, positive change for our customers, our communities and our people. By working together, innovating and pushing boundaries, we transform lives and businesses, and power economic growth around the world.

As a member of the BMO team you are valued, respected and heard, and you have more ways to grow and make an impact. We strive to help you make an impact from day one – for yourself and our customers. We’ll support you with the tools and resources you need to reach new milestones, as you help our customers reach theirs. From in-depth training and coaching, to manager support and network-building opportunities, we’ll help you gain valuable experience, and broaden your skillset.

To find out more visit us at https://jobs.bmo.com/ca/en.

BMO is committed to an inclusive, equitable and accessible workplace. By learning from each other’s differences, we gain strength through our people and our perspectives. Accommodations are available on request for candidates taking part in all aspects of the selection process. To request accommodation, please contact your recruiter.

Note to Recruiters: BMO does not accept unsolicited resumes from any source other than directly from a candidate. Any unsolicited resumes sent to BMO, directly or indirectly, will be considered BMO property. BMO will not pay a fee for any placement resulting from the receipt of an unsolicited resume. A recruiting agency must first have a valid, written and fully executed agency agreement contract for service to submit resumes.