VP, Credit Portfolio Officer, Commercial – Emerging Middle Market

BMO U.S.

VP, Credit Portfolio Officer analyzing credit information for Commercial banking loans and credit solutions. Collaborating with sales team to identify and develop new C&I opportunities.

Posted 4/7/2026full-timeSan Ramon • California • 🇺🇸 United StatesLead💰 $88,800 - $165,600 per yearWebsite

About the role

Key responsibilities & impact

Analyzes credit information to support lending decisions and processes for new and existing Commercial banking loans and credit solutions.
Makes credit decisions and recommendations in compliance with bank policies while maintaining an exceptional client service environment.
Negotiates loan structures and terms and conditions that align client requirements with bank risk appetite and policies.
Assesses client repayment capacity by utilizing financial models and analytical tools to recommend appropriate loan structures and collateral requirements.
Monitors portfolio to identify deteriorating credit conditions and compliance, analyzes metrics, and assesses broader industry trends.

Requirements

What you’ll need

Preferred 5 – 7 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.
Deep knowledge and technical proficiency gained through extensive education and business experience.
Problem Solving
Collaboration
Detail-Oriented
Customer Service
Loan Structuring
Regulatory Compliance
Portfolio Management
Credit Risk Assessment
Banking Operations
Microsoft Office

Benefits

Comp & perks

Health insurance
Tuition reimbursement
Accident and life insurance
Retirement savings plans

ATS Keywords

✓ Tailor your resume

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools

credit analysisfinancial modelingloan structuringcredit risk assessmentportfolio managementregulatory compliancebanking operations

Soft Skills

problem solvingcollaborationdetail-orientedcustomer service