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- Tasks: Lead credit assessments and manage a dynamic portfolio of financial institutions.
- Company: Join BMO, a leading bank with a strong presence in London.
- Benefits: Competitive salary, professional development, and a collaborative work environment.
- Why this job: Make impactful decisions in a fast-paced financial setting while working with industry experts.
- Qualifications: 9+ years of experience in credit management and strong analytical skills.
- Other info: Opportunity for career growth and influence in a trusted advisory role.
The predicted salary is between 80000 - 100000 £ per year.
This is an excellent opportunity for a Director, Counterparty Credit Adjudication at BMO. Join our London‑based Counterparty Credit Second Line of Defense team as a senior, autonomous credit professional overseeing a rapidly expanding and dynamic portfolio of Banks, Insurance, Pension plans and Non‑Bank Financial Institutions. You’ll leverage financial statement analysis skills and strong expertise in trading products—along with solid knowledge of the European market—to deliver independent, objective assessments and adjudication credit proposals. This position is based in Central London and in‑office collaboration is required for 3‑4 days a week.
Provides independent, objective review and adjudication of credit applications and transactions for an assigned portfolio. Ensures the credit quality of the assigned portfolio is maintained within the Bank’s risk tolerance, policies & procedures, and meet financing guidelines.
In this role, you will apply independent judgment to provide effective challenge on credit requests including complex transactions across trading products. You will also lead ongoing portfolio monitoring, ensuring that credit quality is maintained, emerging risks are identified early, and exposures remain within the bank’s risk appetite and established credit guidelines.
You will be in frequent and direct contact with the desk heads and traders behind the deals you sanction and are expected to work with ease in a dealing room environment.
Responsibilities- Credit Decisioning & Effective Challenge: Review and communicate credit decisions with clear, well supported rationale.
- Provide effective challenge on structures, terms, conditions, and collateral.
- Evaluate risk‑return tradeoffs and ensure transactions align with credit policy and risk appetite.
- Approve exceptions in accordance with established standards.
- Oversee ongoing monitoring of the European portfolio: limit adherence, stress exposure ensuring credit quality and early identification of emerging risks.
- Maintain awareness of market and economic trends impacting the portfolio.
- Ensure exposures remain within risk appetite and aligned with Bank guidelines.
- Work with partners to ensure strong risk controls, monitoring, and reporting across both transactional and portfolio levels.
- Apply trading product and counterparty credit expertise (FX, derivatives, financing) to assess complex or non‑routine situations.
- Leverage strong industry knowledge to propose sound, creative credit solutions.
- Stay current on industry developments, competitive practices, and regulatory expectations.
- Build strong relationships with Front Office, risk partners, and external stakeholders.
- Act as a trusted advisor to senior leaders and influence decision making.
- Participate in committees, working groups, and enterprise level initiatives.
- Serve as a senior specialist resource across the organization.
- Provide credit coaching to business partners and colleagues, enhancing structuring, risk awareness, and policy understanding.
- Communicate complex or abstract concepts in simple, actionable terms.
- Identify emerging issues and trends and recommend enhancements to credit processes.
- Lead or contribute to operational improvements, reporting enhancements, and analytics initiatives.
- Integrate data from multiple sources to improve monitoring, efficiency, and insight generation.
- Drive change management and execution of strategic initiatives.
- Typically 9+ years of relevant experience and post‑secondary degree in a related field of study or an equivalent combination of education and experience.
- Credit Qualifications and associated credit knowledge and skills according to the established qualification standards.
- Expert knowledge of banking products & services.
- Expert knowledge of industry trends and regulations.
- Expert knowledge of credit portfolio management policies & procedures, and financing guidelines.
- Proven leadership skills.
- Seasoned expert with knowledge of the European Financial Institutions market.
- Technical leader viewed as a thought leader for innovation.
- Analytical and problem solving skills - Expert.
- Influence skills - Expert.
- Collaboration & team skills; with a focus on cross‑group collaboration - Expert.
- Able to manage ambiguity.
Please note you must have the Right to Work in the UK for this role.
Senior Credit Officer employer: BMO
Contact Detail:
BMO Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Senior Credit Officer
✨Tip Number 1
Network like a pro! Get out there and connect with industry folks on LinkedIn or at events. You never know who might have the inside scoop on job openings or can put in a good word for you.
✨Tip Number 2
Prepare for interviews by practising common questions and scenarios related to credit adjudication. We recommend role-playing with a friend to get comfortable discussing your expertise in trading products and risk management.
✨Tip Number 3
Showcase your knowledge of the European market during interviews. Bring up recent trends or challenges you've noticed and how they could impact credit decisions. This will demonstrate your expertise and proactive thinking.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets seen by the right people. Plus, we love seeing candidates who are genuinely interested in joining our team.
We think you need these skills to ace Senior Credit Officer
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Senior Credit Officer role. Highlight your experience with credit adjudication and financial statement analysis, as these are key skills we’re looking for. Use specific examples that showcase your expertise in trading products and the European market.
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you’re the perfect fit for our Counterparty Credit team. Be sure to mention your leadership skills and how you’ve successfully managed portfolios in the past. Keep it concise but impactful!
Showcase Your Analytical Skills: In your application, don’t forget to highlight your analytical and problem-solving skills. We want to see how you’ve tackled complex credit requests and made sound decisions. Use numbers and outcomes to back up your claims where possible!
Apply Through Our Website: We encourage you to apply through our website for the best chance of getting noticed. It’s super easy and ensures your application goes directly to us. Plus, you’ll find all the details about the role and our company culture there!
How to prepare for a job interview at BMO
✨Know Your Numbers
As a Senior Credit Officer, you'll need to demonstrate your financial statement analysis skills. Brush up on key metrics and ratios relevant to banks and financial institutions. Be ready to discuss how you would evaluate credit proposals using these numbers.
✨Stay Current with Market Trends
Make sure you're up-to-date with the latest trends in the European financial market. This knowledge will not only help you answer questions but also show that you're proactive and engaged with the industry. Bring examples of recent developments that could impact credit decisions.
✨Prepare for Complex Scenarios
Expect to face complex credit scenarios during the interview. Think through potential challenges you might encounter in adjudicating credit proposals and be prepared to articulate your thought process and decision-making criteria clearly.
✨Build Relationships in Your Answers
Since stakeholder engagement is key in this role, think about how you can showcase your relationship-building skills. Share examples from your past experiences where you've successfully collaborated with front office teams or influenced senior leaders in decision-making.