Senior Credit Officer, Commercial Real Estate

10/22/2026

Address:

100 King Street West

Audit, Risk & Compliance

The successful candidate can be based in Vancouver, Calgary, Halifax, or Toronto and must be able to work within BMO's hybrid operating model, with a combination of in-office and remote work.

As the Senior Credit Officer, Commercial Real Estate, you will serve as a trusted risk advisor responsible for the independent adjudication of complex commercial real estate credit transactions. Leveraging deep expertise in commercial lending, portfolio management, and credit risk, you will make sound financing decisions that balance business growth with prudent risk management. You will partner closely with front-line banking teams, provide strategic guidance on deal structuring, and help develop the next generation of credit professionals while ensuring the portfolio remains aligned with BMO's risk appetite and lending policies.

Key responsibilities:

• Independently review, structure, and adjudicate complex commercial real estate credit applications, ensuring transactions meet the Bank's credit policies, risk standards, and financing guidelines.
• Act as a senior credit authority and subject matter expert for commercial real estate lending, providing recommendations and approvals within delegated lending authority.
• Evaluate transaction risk, borrower strength, cash flow, collateral quality, market conditions, and overall creditworthiness to support informed decision-making.
• Partner with Relationship Managers and front-line lending teams to develop sound financing structures that meet client needs while protecting the Bank's interests.
• Monitor and maintain the overall quality of the commercial real estate portfolio, identifying emerging risks, market trends, and potential credit concerns.
• Review approximately 400 credit transactions annually, applying strong attention to detail and expert credit judgment to ensure consistency and quality.
• Coach, mentor, and provide oversight to less experienced Line Officers and underwriting professionals, helping strengthen credit analysis and risk assessment capabilities across the team.
• Provide clear and concise credit decisions, including rationale, terms, conditions, covenants, and collateral requirements.
• Influence strategic business decisions by providing risk insights, industry expertise, and recommendations to senior stakeholders and business partners.
• Collaborate across lending, risk, and operational teams to drive process improvements, enhance credit effectiveness, and support strategic initiatives.
• Stay current on commercial real estate market trends, economic developments, regulatory requirements, and industry best practices to proactively manage portfolio risk.
• Support special projects, portfolio reviews, and strategic initiatives while serving as a trusted advisor on complex or non-routine credit matters.

Qualifications:

• Typically 7+ years of relevant experience and post-secondary degree in related field of study or an equivalent combination of education and experience.
• Deep expertise in commercial real estate credit adjudication, underwriting, and risk assessment, with a proven ability to evaluate complex transactions and make sound, risk-based lending decisions.
• Exceptional attention to detail and credit judgment, with a demonstrated track record of maintaining portfolio quality, identifying potential risks, and ensuring compliance with lending policies and regulatory requirements.
• Credit Qualifications and associated credit knowledge and skills according to the established qualification standards.
• In-depth / expert knowledge of banking products & services.
• In-depth / expert knowledge of industry trends and regulations.
• In-depth / expert knowledge of credit portfolio management policies & procedures, and financing guidelines.
• Proven leadership skills and highly developed coaching skills.
• 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.

$85,500.00 - $185,000.00

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: https://jobs.bmo.com/global/en/Total-Rewards

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 https://jobs.bmo.com/ca/en.

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.