Director Credit Structing, Commercial Banking (Dealer Finance)

Application Deadline:

04/30/2026

Address:

100 King Street West

Job Family Group:

Commercial Sales & Service

With over 40 years or market leading presence, BMO’s Dealer Finance team is accountable for providing specialized commercial finance solutions to Canada’s automotive, marine and RV sectors.

Reporting directly to the Line of Business Head, the Director, Credit Structuring role is specifically accountable for credit risk governance across the Dealer Finance commercial loan portfolio, including oversight of risk appetite, credit strategy, controls, and remediation of emerging and elevated risks. The role partners with cross‑functional stakeholders to execute policy, manage credit issues, support models and analytics, and ensure strong audit, limit, collateral, and exposure governance. In addition, this role identifies and drives opportunities for transformational change through system, process, and business model improvements that enhance efficiency and risk outcomes.

• Provide expert guidance on credit structuring, risk mitigation, and regulatory compliance across BMO’s Dealer Finance business
• Ensures adherence to regulatory requirements, internal controls, and compliance policies in all aspects of credit risk management, mitigating risk of loss and maintaining high service standards.
• Act as a strategic advisor to senior leadership, contributing to portfolio optimization and business planning
• Drive operational excellence through process innovation, analytics, and continuous improvement. Assist in monitoring Key Performance Indicators (KPI’s) across the portfolio and ensure timely follow up with appropriate action plans to address out of compliance items are implemented and actioned by deal teams.
• Drives efforts to identify new business opportunities, acquire clients, penetrate markets, and expand the client base by leveraging market insights, competitor analysis, and cross-selling initiatives.
• Collaborate with Credit Partners and be viewed as a Credit Leader with the capability of carrying and exercising an elevated discretionary limit
• Collaborate cross-functionally to ensure consistent delivery of credit and portfolio solutions and alignment with enterprise strategy
• Champion a client-first approach, ensuring timely resolution of complex issues and identifying opportunities to enhance client relationships
• Assist the Managing Directors & Team Leads by playing a pivotal role in with the structuring and execution of customized credit strategies aligned with client needs and business objectives
• Identifies issues, gaps and process improvements through open communication with all stakeholders
• Demonstrate in-depth knowledge of the bank’s policies, procedures and framework, serving as subject matter expert and a key resource for colleagues
• Represent the Commercial Bank in internal and external forums, including regulatory and industry engagements
• Contribute to enterprise-wide initiatives and support broader strategic priorities as required

Qualifications

• Minimum 7+ years of experience in commercial banking, credit structuring, or related financial services
• Post-secondary degree in a relevant field or equivalent combination of education and experience
• Credit qualified, with deep expertise in credit principles, structuring, and risk management
• Proven technical leadership and recognized as a seasoned expert in the industry
• Exceptional verbal and written communication skills
• Advanced analytical, problem-solving, and decision-making capabilities
• Strong influence and collaboration skills, with a focus on cross-functional teamwork
• Demonstrated ability to manage ambiguity and deliver results in complex, fast-paced environments
• Thought leader in innovation, with a data-driven approach to strategy and execution

You’re fluent in French and English as this role provides support to clients and team members inside and/or outside the province of Quebec.

Salary:

$110,500.00 - $192,500.00

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.