Senior Director, Credit Structuring

Application Deadline:

05/21/2026

Address: 105 rue St-Jacques O

Job Family Group:

Commercial Sales & Service

Team Overview – Asset-Based Lending (ABL)

The Asset Based Lending (ABL) team within Canadian Commercial Banking is part of BMO Financial Group and supports both public and private corporate clients operating across diversified and specialized industries. Financing solutions offered include, but are not limited to, senior, subordinated, and mezzanine debt, in addition to equity-related structures, with a primary focus on senior secured, asset-based facilities. The ABL Team targets financing opportunities of $20 million or more, executed on both a syndicated and bilateral basis.

The selected candidate will join the Asset Based Lending Group, which focuses on senior debt financing opportunities with borrowers across a broad range of industries throughout Canada. The Asset Based Lending Group operates nationally with offices located in Toronto, Montreal, and Vancouver, working within an integrated coverage, underwriting, and portfolio management model.

Job Overview

The Senior Director, Credit Structuring, is a leadership role responsible for the structuring, underwriting, and ongoing risk management of complex ABL transactions and portfolios. This role is responsible for delivering asset-based lending credit solutions to clients, while ensuring effective risk management and high-quality execution.

The incumbent acts as a subject-matter expert for asset-based lending structures, leading credit structuring, portfolio oversight, and risk assessment activities, while ensuring adherence to BMO’s risk appetite, credit policies, and regulatory standards.

Key Responsibilities

Assist the Managing Director, Credit Structuring by playing a pivotal role with the structuring and underwriting of ABL transactions across new and existing client relationships, including growth financings, M&A-related facilities and refinancing

Provide expert guidance on credit structuring, risk mitigation, and regulatory compliance across diverse industries

Serve as a subject matter expert on ABL credit policy, documentation standards, and emerging risk considerations.

Exercise sound credit judgment and escalate matters as required in alignment with delegated authorities and governance frameworks.

Assume ownership of the ongoing credit quality and risk management of an assigned ABL portfolio.

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 Managing Director, Credit Structuring 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.

Directly manage annual reviews, interim reviews, quarterly /monthly monitoring requirements, and resolution of covenant, reporting, and borrowing base exceptions.

Collaborate with Credit Partners and be viewed as a Credit Leader with the capability of carrying and exercising an elevated discretionary limit

Manage and mentor team members, fostering and recognizing high-performance, collaborative culture, supporting development, and managing poor performance

Play a key role in onboarding new team members—setting them up for success through knowledge sharing, integration, and hands-on guidance

Champion a client-first approach, ensuring timely resolution of complex issues and identifying opportunities to enhance the relationship

Collaborate cross-functionally to ensure consistent delivery of credit solutions and alignment with enterprise strategy

Identifies issues, gaps and process improvements through open communication with all stakeholders

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

Broader work or accountabilities may be assigned as needed.

Qualifications

Minimum 8+ years of experience in commercial banking, credit structuring, or related financial services. Previous experience in an asset-based lending role would be an asset.

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

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 details of our benefits, please visit: https://jobs.bmo.com/global/en/Total-Rewards