Associate, Commercial Banking | Chicago, IL

Associate, Commercial Banking Final date to receive applications: 11/27/2025 Address: 320 S Canal Street Job Family Group:
Commercial Sales & Service Analyzes credit information to support lending decisions and processes for new and existing Commercial banking loans and credit solutions in an assigned portfolio of clients.

• Performs financial analysis and calculations, assesses client creditworthiness, prepares detailed credit summaries, analyzes financial performance and risk profiles of clients within the portfolio.
• Utilizes financial models and analytical tools to assess client repayment capacity and recommend appropriate loan structures and collateral.
• Supports credit-granting decisions by making recommendations to manager.
• Supports portfolio monitoring and compliance, within the portfolio to identify deteriorating credit conditions and ensure compliance.
• Analyses metrics and assesses industry trends to spot risks and opportunities.
• Supports the negotiation of loan terms and conditions and the structuring of loans that align with client requirements and ensure compliance with the banks risk appetite and policies.
• Develops proposals to capture new business and expand client relationships.
• Builds and maintains client relationships to ensure long-term financial performance in collaboration with Relationship Manager and business partners.
• Structures and supports new, renewal and extension loans aligned with client needs and bank & risk policies
• Conducts financial analysis and risk assessments of clients’ credit information, for an assigned portfolio, to provide insights and make informed decisions
• Monitors the portfolio performance for assigned portfolio of Commercial Banking clients on an ongoing basis, taking corrective action when required.
• Minimizes BMO’s risk exposure by adhering to credit policies, regulatory standards, and operational guidelines.
• Serves as a point of contact for service requests, ensuring expectations are consistently met or exceeded. Escalates issues when needed.
• Supports and implements initiatives to enhance service quality, acquire new business and expand client relationships.
• Identifies revenue and cross-selling opportunities to enhance portfolio growth.
• Identifies share of wallet opportunities.
• Leverages analysis tools to nurture and grow a portfolio that exceeds ROE thresholds and evaluates client returns on a proactive basis.
• Manages timely and accurate data entry into BMO’s systems and leverages the data to support decision-making.
• Focus is primarily on business/group within BMO; may have broader, enterprise-wide focus.
• Exercises judgment to identify, diagnose, and solve problems within given rules.
• Works independently on a range of complex tasks, which may include unique situations.
• Broader work or accountabilities may be assigned as needed.

• 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.
• Bachelor’s degree required;
  Business Administration, Finance and Accounting preferred. Any other related discipline or commensurate work experience considered.
• Technical proficiency gained through education and/or business experience. 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

Salary : $69,000.00 – $

Pay Type:

Salaried The above represents BMO Financial Group’s pay range and…