Ghram Debes leads the Dealer Finance business for the U.S., responsible for the management of the business.

Ghram joined BMO as a founding member of the group in 2010. The group's mandate is to originate and grow auto, RV and marine dealership relationships for the commercial bank as a national business.

Ghram earned a Bachelor's degree in business from Creighton University and an MBA from Creighton University. He is on the boards of Junior Achievement of Chicago, The Foundation of Wisconsin Auto and Truck Dealer Association and Arc of Hope Uganda.