**VP, COMMERCIAL BANKING PORTFOLIO MANAGER-PHOENIX, AZ OR SALT LAKE CITY, UT**

BMO is looking for a seasoned commercial banking professional with deep expertise in credit underwriting, portfolio management, and structuring complex lending solutions for middle-market clients. Proven ability to balance risk and growth by delivering disciplined credit decisions, negotiating optimized loan structures, and partnering with Relationship Managers to drive client retention and revenue expansion.

+ Analyze credit information and financial performance to support lending decisions across a portfolio of middle-market clients ($50MM–$1B+), including new originations, renewals, and amendments
+ Structure and negotiate loan terms, aligning client needs with bank risk appetite, credit policies, and regulatory standards
+ Assess repayment capacity through detailed financial modeling (cash flow, leverage, liquidity) and recommend appropriate structures, pricing, and collateral
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