VP, Portfolio Manager – Commercial Real Estate

BMO U.S.

Portfolio Manager delivering loan solutions for commercial real estate customers in the U.S. Collaborating with Relationship Managers and ensuring compliance with bank policies throughout the process.

Posted 5/20/2026full-timeLos Angeles • California, Illinois • 🇺🇸 United StatesLead💰 $88,800 - $165,600 per yearWebsite

About the role

Key responsibilities & impact

Collaborating with Relationship Managers to deliver well-structured loan solutions for commercial real estate customers across the U.S.
Preparing well-reasoned credit proposals in accordance with sound credit-granting principles and in compliance with Bank policy & procedures.
Monitoring the performance of an assigned portfolio of customers.
Analyzing and preparing lending proposals, providing loan structuring expertise and identifying opportunities to maximize penetration and returns.
Providing accurate financial analysis and oversight of assigned portfolio of customers as well as new customers.
Evaluating appropriate loan structure with respect to ability to repay, collateral and ownership.
Preparing and presenting credit applications to Credit Officers to obtain necessary credit approvals.
Negotiating loans with clients.
Protecting the Bank’s assets and maintaining quality of portfolio.
Preparing concise, well-reasoned credit correspondence.
Monitoring covenants of clients within assigned portfolio.

Requirements

What you’ll need

An undergraduate degree, preferably in finance, economics, accounting, or real estate.
Completion of a major corporate credit training program (or equivalent experience) and prior lending authority.
7 or more years of underwriting and portfolio management experience, preferably in a commercial real estate lending environment for loan sizes > $15MM.
In-depth understanding of commercial banking products, commercial real estate lending, loan structuring, legal documentation, and all supporting processes and technology.
Deep understanding of commercial real estate (CRE) underwriting principles, including asset valuation, market risk assessment, analysis of investment property cash flows (construction, value-add, and stabilized), commercial rent rolls, commercial leases, third party reports and deal structuring across property types (multifamily, industrial, office, retail, land).
Experience underwriting transactions for or in partnership with institutional real estate investors such as REITs, pension funds, life insurance companies, family office or private equity sponsors.
Assess guarantor financial strength by analyzing personal and corporate financial statements, liquidity, contingent liabilities, cash flow, and net worth to determine repayment support and mitigate credit risk.

Benefits

Comp & perks

Health insurance
Tuition reimbursement
Accident and life insurance
Retirement savings plans

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

credit analysisloan structuringfinancial analysisportfolio managementunderwritingasset valuationmarket risk assessmentcash flow analysiscredit proposal preparationnegotiation

Soft Skills

collaborationcommunicationpresentationattention to detailproblem-solvinganalytical thinkingdecision-makingrelationship managementorganizational skillsrisk assessment

Certifications

corporate credit training program