Credit Risk Reviewer

Job Description

Application Deadline: 06/25/2026 Address: 320 S Canal Street Job Family Group: Audit, Risk & Compliance Conducts independent examinations of credits and portfolios to ensure risk rating accuracy and asset quality of the credit portfolio. As a critical component of risk management at BMO, this work provides vital assurance to the Board of Directors and senior management as to the quality of the internal control system and in so doing helps reduce the risk of loss and reputational damage to the Company. Identifies unacceptable/high risk circumstances that could lead to material impact on profitability or reputation. Provides independent assurance on the quality and effectiveness of internal control, risk management, and governance systems and processes to support senior management and the Board in protecting BMO and its reputation. Reviews and rates credit risks to assure timeliness and accuracy of credit risk ratings for the assigned commercial loan portfolio and/or retail loan portfolio. Participates in ongoing portfolio reviews, target examinations, portfolio deep dives, and special reviews of specific credits in accordance with Credit Risk Review Mandate and Procedures. Assesses ratings and evaluation of the adherence to policies and procedures, as well as the effectiveness and accuracy of credit analysis, collateral evaluation, monitoring, underwriting quality, and identification and management of problem credits. Assigns grades for the quality and risk profile of the portfolios reviewed and the compliance of the related unit(s) with bank policies and procedures. Recommends action plans for resolving material issues noted in reviews. Provides training and support to internal stakeholders on risk rating accuracy and best practices in credit risk. Builds relationships with lending areas and across risk management. Assures consistent practices and applications of Credit Risk Review Mandate and Procedures. Completes investigations, assigned tasks, reports, and contribute to overall review assessments and grades timely, accurately and with appropriate diligence. Represents Credit Risk Review as requested in various cross enterprise working groups in order to provide credit risk oversight and perspectives. Aggregates Credit Risk Review intelligence, indentifies issues and reports to Senior Management, various internal committees and/or Boards. Works collaboratively with internal stakeholders to maximize risk return and improve the customer experience through the lending process. Participates in due diligence for portfolio or bank acquisitions via credit risk evaluations. Contributes to the development and implementation of loan policies and procedures, on an as-needed basis. Focus is primarily on business/group within BMO; may have broader, enterprise-wide focus. Provides specialized consulting, analytical and technical support. Exercises judgment to identify, diagnose, and solve problems within given rules. Works independently and regularly handles

Required Skills