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Credit Officer-Transportation Finance

Company: BMO Harris
Location: Irving
Posted on: May 3, 2021

Job Description:

Address:

300 E John Carpenter Freeway

Job Family Group:

Commercial Sales & Service

Credit Officer-Transportation Finance (Commercial Banking)

Position Overview

The Commercial Banking Transportation Finance business is seeking a dynamic and motivated Credit Officer. As a first-line risk officer, the position is responsible for all new business underwriting (credit exposures > $1 million) and portfolio management. The position reports directly to the Director of Underwriting & Portfolio Management.

Core Responsibilities

  • Risk Management (80%)
  • Credit Policies and Process Support (10%)
  • Training and Coaching (10%)

Accountabilities

  • Underwrite and manage new and existing customers with credit exposures greater $1 million and up to $150 million.
  • Make credit decisions/recommendations in accordance with sound credit-granting principles and in compliance with BMO's Policies and Procedures.
  • Meet credit turnaround timelines/metrics and maintain overall credit quality.
  • Monitor industry trends and changes to maintain a forward looking view of the industry to identify new risks and opportunities.
  • Partner with senior management and relationship managers (Commercial Team) to attract and retain customers.
  • Maintain financing guidelines and procedures appropriate for the business and in line with bank requirements.
  • Support modification and development of new and existing decision and portfolio management guidelines and policies.
  • Ensure annual reviews and other portfolio administration tasks are completed timely and accurately (maintain high data integrity standards).
  • Resolve customer and portfolio issues in partnership with the Commercial Team and special asset unit, as required.
  • Prepare reports and credit assessments to present to senior management with a clear and consistent approach to managing transactions and portfolio risk.
  • Ensure adherence of all internal control standards, regulatory and compliance policies and procedures.
  • Participate in projects, special due diligence requests, audits, and related activities, as required.

Qualifications

Skills

  • Proven abilities in new business origination, structuring skills and portfolio management.
  • Exceptional analytical and risk management skills.
  • Highly developed written and oral communication skills.
  • Strong interpersonal skills used within a team environment and in client interaction with emphasis on excelling in relationship building.
  • Strong ability to advocate persuasively.
  • Excellent capability to independently and proactively service multiple clients and effectively manage multiple priorities
  • Expertise in financial computer applications including Microsoft Office products and the Internet

Knowledge

  • An undergraduate degree in finance, economics, or accounting preferred
  • Minimum of 5 years of commercial banking experience preferably in the transportation industry
  • In-depth level of commercial credit/portfolio management knowledge, skills and experience
  • Excellent knowledge of the organizational lending and portfolio management policies and objectives

We're here to help

At BMO Harris Bank 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 Harris Bank 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.bmoharris.com.

BMO Harris Bank 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. BMO Harris Bank N.A. is an equal opportunity/affirmative action employer. All qualified applicants will receive consideration for employment without regard to sex, gender identity, sexual orientation, race, color, religion, national origin, disability, protected Veteran status, age, or any other characteristic protected by law. Accommodations are available on request for candidates taking part in all aspects of the selection process. To request accommodation, please contact your recruiter.

Keywords: BMO Harris, Irving , Credit Officer-Transportation Finance, Other , Irving, Texas

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