Commercial Portfolio Manager

Application Deadline: 09/26/2026 Address: 1850 N Central Ave, Suite 2000 Job Family Group: Commercial Sales & Service DIRECTOR, COMMERCIAL PORTFOLIO MANAGER-PHOENIX, AZ BMO is looking for a Team Lead who is a seasoned commercial banking professional with deep expertise in credit underwriting, portfolio management, and structuring complex lending solutions for middle-market clients. Proven leader with the 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. Lead team of Portfolio Managers ranging in experience providing oversight, mentorship and coaching. Manage the markets portfolio and ensure compliance with all KPIs. Analyze credit information and financial performance to support lending decisions across a portfolio of middle-market clients ($100MM-$2B+), 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 12+ years of relevant experience in credit or lending instruments or financial operations in a corporate or banking environment. 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. Ability to effectively train, mentor and coach others. Salary $122,400.00 - $228,000.00 Pay Type 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: 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 BMO is proud to be an equal employment opportunity employer. We evaluate applicants without regard to race, religion, color, national origin, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, transgender status, sexual stereotypes, age, status as a protected veteran, status as an individual with a disability, or any other legally protected characteristics. We also consider applicants with criminal histories, consistent with applicable federal, state and local law. BMO is committed to working with and providing reasonable accommodations to individuals with disabilities. If you need a reasonable accommodation because of a disability for any part of the employment process, please send an e-mail to View email address on click.appcast.io and let us know the nature of your request and your contact information. #J-18808-Ljbffr