Commercial Credit Analyst

Commercial Credit Analyst - BMO Commercial Bank, Canada

We are excited to launch the revised and improved 2026 Commercial Analyst Development Program (CADP) for the BMO Commercial Bank, Canada. The CADP provides a unique combination of experiences, classroom learning, eLearning, case studies, mentoring, on-the-job training and team-building events during your first 12-month period. This is an exciting and structured start to your career as a Commercial Credit Analyst on one of our Middle Market Diversified Industries or select Specialty Finance teams.

What You Can Expect:

• Cohort‑based learning
• On-the-job training, work experience, and performance feedback
• Valuable networking opportunities
• Exposure to a variety of industry sector experts
• Holistic development of a broad set of skills
• Extensive exposure to industry-leading methods and practices
• A disciplined and tested career path
• Opportunities to interact with the most senior leaders in the organization
• Ongoing coaching and mentoring

Ongoing Role Competency Development:

• Financial Analysis & Underwriting
• Credit Risk Assessment
• Portfolio Management
• Deal Execution Support
• Governance, Compliance & Documentation

As a Commercial Credit Analyst, you will analyze credit information to support lending decisions and processes for new and existing Commercial banking loans and credit solutions within an assigned client portfolio. You will make credit decisions and recommendations in compliance with bank policies and procedures while maintaining an exceptional client service environment.

Key responsibilities include performing financial analysis and calculations, assessing client creditworthiness, preparing detailed credit summaries, and analyzing financial performance and risk profiles of clients within the portfolio. You will utilize financial models and analytical tools to assess client repayment capacity and recommend appropriate loan structures and collateral, supporting credit-granting decisions by making recommendations to your manager. This role also involves supporting portfolio monitoring and compliance, identifying deteriorating credit conditions, and analyzing metrics and industry trends to spot risks and opportunities. You will also support the negotiation of loan terms and conditions and the structuring of loans that align with client requirements and ensure compliance with the bank's risk appetite and policies. Further, you will develop proposals to capture new business, expand client relationships, and build and maintain strong client relationships in collaboration with Relationship Managers and business partners. Other duties include structuring and supporting new, renewal, and extension loans aligned with client needs and bank and risk policies, conducting financial analysis and risk assessments, and monitoring portfolio performance on an ongoing basis, taking corrective action when required. You will minimize BMO’s risk exposure by adhering to credit policies, regulatory standards, and operational guidelines, serve as a point of contact for service requests, and identify revenue and cross-selling opportunities to enhance portfolio growth. Leveraging analysis tools to nurture and grow a portfolio that exceeds ROE thresholds and evaluating client returns proactively is also crucial. You will manage timely and accurate data entry into BMO's systems and leverage this data to support decision-making. The focus is primarily on business/group within BMO; however, it may have broader, enterprise-wide implications. You will exercise judgment to identify, diagnose, and solve problems within given rules and work independently on a range of complex tasks, including unique situations. Broader work or accountabilities may be assigned as needed. You are expected to take measured risks while protecting the bank by applying our Risk Management Framework in the execution of your role, in line with our Risk Culture and within our approved Risk Appetite, making sound and risk-informed decisions that align to business strategy, protect assets, and adhere to applicable policy documents (Frameworks, Policies, Standards, Procedures and Supporting documents), laws and regulations.

Qualifications:

Preferred 3 – 4 years of relevant experience in credit or lending instruments or financial operations in a corporate or banking environment. If a Credit Qualifiable job, Credit Qualifications and associated credit knowledge and skills according to the credit portfolio requirements and qualification standards are required. A Bachelor’s degree is required; Business Administration, Finance, and Accounting are preferred. Any other related discipline or commensurate work experience will be considered. Technical proficiency gained through education and/or business experience is essential.

Proficiency Levels:

Intermediate level of proficiency:

• Problem Solving
• Collaboration
• Detail-Oriented
• Analytical Thinking
• Loan Structuring
• Regulatory Compliance
• Portfolio Management
• Credit Risk Assessment
• Banking Operations
• Microsoft Office

Advanced level of proficiency:

• Data analysis tools
• Financial analysis

Key skills/competency

• Financial Analysis
• Credit Risk Assessment
• Portfolio Management
• Underwriting
• Regulatory Compliance
• Client Relationship Management
• Data Analysis
• Loan Structuring
• Problem Solving
• Collaboration