Credit Analyst

Role overview

What you'll do

• Analyze financial statements, cash flow, industry trends, and business performance to assess creditworthiness and support lending decisions.
• Prepare credit applications and recommendations for new, renewal, and extension financing requests.
• Evaluate repayment capacity, collateral adequacy, and risk factors using financial models and analytical tools.
• Monitor a commercial client portfolio, identify emerging risks and opportunities, and ensure compliance with bank policies and regulatory requirements.
• Partner with Relationship Managers to structure financing solutions aligned with client needs and the bank's risk appetite.
• Support client meetings, portfolio reviews, and relationship management activities.
• Identify opportunities to deepen client relationships through additional banking solutions and cross-functional partnerships.
• Contribute to business development initiatives; maintain accurate portfolio information and use data-driven insights.
• Apply sound judgment and risk management practices to protect the bank and support client experience.

What you'll bring

• 3–4 years of experience in commercial credit, lending, financial analysis, corporate banking, or a related financial services environment.
• Bachelor's degree in Business Administration, Finance, Accounting, Economics, or a related field.
• Strong understanding of commercial lending, credit risk assessment, and financial statement analysis.
• Experience evaluating business performance, cash flow, debt servicing capacity, and loan structures.
• Strong analytical and problem-solving skills, communication, and relationship-building abilities.
• Ability to manage multiple priorities in a fast-paced, team-oriented environment.
• Proficiency with Microsoft Office applications and financial analysis tools.

Preferred competencies

• Listed advanced skills include financial analysis, credit risk assessment, and data analytics and reporting.
• Listed core strengths include portfolio management, loan structuring, regulatory compliance, analytical thinking, collaboration, attention to detail, banking operations, and problem solving.

Compensation

• The posting lists a salary range of $70,000 to $150,000 and identifies the pay type as salaried.
• Compensation may vary based on location, skills, experience, education, and qualifications; the posting also describes potential incentives and benefits.

About BMO