Senior Relationship Manager

Application Deadline:

04/16/2026

Address:

2828 boul Laurier

Job Family Group:

Commercial Sales & ServiceRole Overview

As a Senior Relationship Manager, you will be responsible for overseeing and growing a portfolio of automotive dealerships groups, daily car rental/leasing companies, motorsport, recreational vehicles, and mid-duty truck dealerships. The clients’ financial needs include inventory financing, real estate assets and construction financing, acquisition financing of a variety of complexity and size, operating lines of credit / cash management, house leasing and sometimes financing of export facilities for used vehicles to the US. Primary accountability for the Senior Relationship Manager, Automotive Finance is business development and the excellent management of key client relationships across the portfolio and geographical coverage area. In addition, the Senior Relationship Manager will provide their credit expertise to the portfolio manager to ensure the portfolio operates in good standing and to support financial analysis and credit writing for high quality credit/loan submission regarding new and existing client requests. You will work closely with the portfolio manager to grow the portfolio by leading pitches for new financing opportunities with prospects & existing clients and growing share of wallet. Together with the portfolio manager, you will maintain and promote an exceptional client service environment and experience to continually achieve industry leading NPS scores for client satisfaction.

This role will report directly to the Vice President, Automotive Finance Québec. The candidate must be self-motivated, a strong business developer, with solid expertise in risk assessment/financial analysis and relationship management. The candidate must also possess very good communication skills in order to present their arguments and recommendations in a clear and concise manner.

Key Responsibilities

Relationship Management & Business Development

• Generates new business opportunities with existing and new clients, increases share of wallet through cross-selling of BMO’s full suite of products and services.
• Participates and provides leadership in Bank and community activities to increase Bank’s brand visibility and to enhance new business opportunities.
• Leads the development and delivery of customized lending proposals to prospective and existing clients, while providing expertise for the financial analysis, deal structuring and credit correspondence to support the same.
• Coordinates and negotiates transactions with internal and external stakeholders for terms and conditions, deal structure, loan documentation, and deal closing.
• Acts as the main point of client/prospect contact and ensures a high-quality client experience, while building long-term relationships, and acts as a trusted advisor to internal and external stakeholders.
• Consults regularly with internal stakeholders (i.e. Team Lead, Director Credit Structuring, Portfolio Manager, colleagues from Risk Management, Cash Management, Capital Markets, Wealth Management, and Loan Operations etc.) and external stakeholders (prospects/clients and their advisors, accountants & lawyers) as necessary to complete client-related requests, including underwriting, deal negotiation, loan documentation, and credit submissions as applicable.

Portfolio Management

• Collaborates with Portfolio Manager in financial analysis and risk assessment of new and existing customers regarding key credit terms such as capital structure, financial covenants, and amortization periods.
• Collaborates with clients/prospects and deal team to oversee the development of financial models and other analytical tools to assist clients in evaluating capital structure and financing structure. You will facilitate working sessions with clients and internal stakeholders to obtain buy in to finalize credit structures as appropriate (e.g. new deal or credit increase opportunities, annual reviews, restructurings etc.).
• Collaborates with Portfolio Manager for preparation of credit requests, new business, and annual reviews through credit/loan submissions and credit committee memos that are done in a timely manner, well written and concisely identifying relevant credit risks and mitigating factors (you will need to stay ahead of industry, economic and finance trends for the automotive sector).
• As part of the analysis and underwriting of each credit opportunity, you will need to stay on top of due diligence throughout the process.
• Makes credit/lending decisions and recommendations in accordance with sound credit-granting principles and in compliance with Bank Policies & Procedures.
• Ensures ongoing monitoring and satisfactory management of assigned portfolio of accounts (e.g. financial statement reporting, financial covenant reporting & performance etc.), completion of annual reviews by required due dates and identifying potential problem accounts for enhanced monitoring and/or restructuring.

Internal Collaboration

• Collaborates with deal team and other bank-provided supporting resources to efficiently complete tasks within timelines to support client requests and deliverables (credit submissions, loan documentation etc.).
• In collaboration with line of business regional leads, Portfolio Manager and the other team stakeholders, manages priorities in terms of business development versus portfolio monitoring tasks/management and best sequence for execution of same.
• Works with broader team members and other internal stakeholders on an as-needed basis in support of a “one team” approach to execute Business Unit strategy and achieve overall business targets/objectives.
• Partners with internal stakeholders for accurate, detailed client information.
• Remains current on financial and credit trending in the portfolio and communicates the same to Senior Management.
• Actively shares thought leadership, best practices, and/or industry knowledge within the team and business unit.
• Broader work or accountabilities may be assigned as needed.

Qualifications for Success

• Typically 7+ years of relevant experience and post-secondary degree in related field of study or an equivalent combination of education and experience.
• Credit Qualifications and associated credit knowledge and skills according to the established qualification standards.
• Demonstrated history of successful business development, including ability to network in external markets
• Experience in contract negotiations with both clients and legal counsel
• Experience with Sales Strategy and Sales referral process development
• Risk Management - In-depth
• Sales and Service Management –In-depth
• Relationship Management - In-depth
• Change Leadership - Working
• Conflict Management & Resolution –In-depth
• Resource Planning – Working
• Business Acumen – In-depth
• Financial Understanding – In-depth
• Strategic Thinking – Working
• Seasoned professional with a combination of education, experience and industry knowledge.
• Verbal & written communication skills - In-depth / Expert.
• Analytical and problem solving skills - In-depth / Expert.
• Influence skills - In-depth / Expert.
• Collaboration & team skills; with a focus on cross-group collaboration - In-depth / Expert.
• Able to manage ambiguity.
• Data driven decision making - In-depth / Expert.

Salary:

$86,000.00 - $160,000.00

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 committed to an inclusive, equitable and accessible workplace. By learning from each other’s differences, we gain strength through our people and our perspectives. Accommodations are available on request for candidates taking part in all aspects of the selection process. To request accommodation, please contact your recruiter.

Note to Recruiters: BMO does not accept unsolicited resumes from any source other than directly from a candidate. Any unsolicited resumes sent to BMO, directly or indirectly, will be considered BMO property. BMO will not pay a fee for any placement resulting from the receipt of an unsolicited resume. A recruiting agency must first have a valid, written and fully executed agency agreement contract for service to submit resumes.