Finance & Banking Associate, Financial Analyst

Key Responsibilities

• 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 calculation, assesses client creditworthiness, prepares detailed credit summaries, and analyses 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, identifying deteriorating credit conditions and ensuring compliance within the portfolio.
• Analyzes 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 bank’s 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, to provide insights and make informed decisions for an assigned portfolio.
• Monitors portfolio performance for assigned 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 and 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.
• Take measured risks while protecting the bank by applying the Risk Management Framework in the execution of the role, in line with our Risk Culture and approved Risk Appetite, making sound and risk‑informed decisions that align with business strategy, protect assets, and adhere to applicable policies, laws and regulations.

• Preferred 3 – 4 years of relevant experience in credit or lending instruments or financial operations in a corporate or banking environment.
• If the role is 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 proficiency:
  • Problem Solving
  • Collaboration
  • Detail‑Oriented
  • Analytical Thinking
  • Loan Structuring
  • Regulatory Compliance
  • Portfolio Management
  • Credit Risk Assessment
  • Banking Operations
  • Microsoft Office
• Advanced proficiency:
  • Data analysis tools
  • Financial analysis

$69,000.00 – $

Salaried

Health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans. Additional performance-based incentives, discretionary bonuses, and other perks and rewards may apply.

BMO is a proud equal employment opportunity employer. We evaluate applicants without regard to race, religion, color, national origin, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, transgender status, age, status as a protected veteran, status as an individual with a disability, or any other legally protected characteristics. We also consider applicants with criminal histories in accordance with applicable federal, state, and local law.

BMO is committed to providing reasonable accommodations to individuals with disabilities. If you need a reasonable accommodation for any part of the employment process, please email  with the nature of your request and your contact information.