VP, Commercial Banking Portfolio Manager at BMO Bank N.A. — Salt Lake City, UT

Application Deadline:

09/12/2026

Address:

142 E. 200 South

Job Family Group:

Commercial Sales & Service

VP, COMMERCIAL BANKING PORTFOLIO MANAGER-SALT LAKE CITY, UT

BMO is looking for a seasoned commercial banking professional with deep expertise in credit underwriting, portfolio management, and structuring complex lending solutions for middle-market clients. Proven ability to balance risk and growth by delivering disciplined credit decisions, negotiating optimized loan structures, and partnering with Relationship Managers to drive client retention and revenue expansion.

• Analyze credit information and financial performance to support lending decisions across a portfolio of middle-market clients ($50MM–$1B+), including new originations, renewals, and amendments
• Structure and negotiate loan terms, aligning client needs with bank risk appetite, credit policies, and regulatory standards
• Assess repayment capacity through detailed financial modeling (cash flow, leverage, liquidity) and recommend appropriate structures, pricing, and collateral
• Exercise delegated credit authority to approve new, renewal, and extension transactions while ensuring compliance with internal policies and procedures
• Prepare and present credit recommendations, synthesizing financial, industry, and risk insights into clear, actionable approvals
• Proactively monitor portfolio performance, identifying early warning signals, deteriorating trends, and covenant compliance issues; implement corrective actions as needed
• Evaluate industry dynamics and macro trends to identify emerging risks and opportunities within the portfolio
• Optimize portfolio returns by assessing capital allocation and client profitability relative to ROE targets
• Lead development of credit proposals and client presentations to support new business acquisition and deepen existing relationships
• Partner closely with Relationship Managers to drive business development, identify cross-sell opportunities, and increase share of wallet
• Build and maintain strong client and internal stakeholder relationships, serving as a key point of contact for credit-related matters
• Coordinate deal execution, including documentation and closing, with legal, operations, and clients to ensure timely and accurate completion
• Leverage internal data systems and analytics tools to support decision-making and enhance portfolio insights
• Operate independently on complex credits and non-routine situations, applying sound judgment and risk-based thinking aligned with the bank’s risk management framework
• Contribute to strategic initiatives that enhance service quality, portfolio growth, and operational efficiency

Qualifications

• Preferred 7 – 12 years of relevant experience in credit or lending instruments or financial operations in a corporate or banking environment.
• Credit qualifications and associated credit knowledge and skills according to the credit portfolio requirements and qualification standards.
• Bachelor’s degree required; Business Administration, Finance and Accounting preferred. Any other related discipline or commensurate work experience considered.
• Deep knowledge and technical proficiency gained through extensive education and business experience.

Salary

$88,800.00 - $165,600.00

Pay Type:

Salaried

About Us