Associate, Commercial Banking - Dealer Finance

Location:

790 N Water Street

Final date to receive applications: 07/09/2026

• Analyze credit information to support lending decisions and processes for new and existing commercial banking loans and credit solutions in an assigned portfolio of clients.
• Make credit decisions and recommendations in compliance with bank policies and procedures while maintaining an exceptional client service environment.
• Perform financial analysis and calculations; assess client creditworthiness; prepare detailed credit summaries.
• Analyze financial performance and risk profiles of clients within the portfolio.
• Utilize financial models and analytical tools to assess client repayment capacity and recommend appropriate loan structures and collateral.
• Support credit‑granting decisions by making recommendations to manager.
• Support portfolio monitoring and compliance, identifying deteriorating credit conditions and ensuring compliance.
• Analyze metrics and assess industry trends to spot risks and opportunities.
• Support negotiation of loan terms and conditions and structuring of loans that align with client requirements and ensure compliance with the bank's risk appetite and policies.
• Develop proposals to capture new business and expand client relationships.
• Build and maintain client relationships to ensure long‑term financial performance in collaboration with Relationship Manager and business partners.
• Structure and support new, renewal and extension loans aligned with client needs and bank & risk policies.
• Conduct financial analysis and risk assessments of clients’ credit information for an assigned portfolio.
• Monitor the portfolio performance for assigned portfolio of Commercial Banking clients on an ongoing basis, taking corrective action when required.
• Minimise BMO’s risk exposure by adhering to credit policies, regulatory standards, and operational guidelines.
• Serve as a point of contact for service requests, ensuring expectations are consistently met or exceeded.
• Escalate issues when needed.
• Support and implement initiatives to enhance service quality, acquire new business and expand client relationships.
• Identify revenue and cross‑selling opportunities to enhance portfolio growth.
• Identify shared of wallet opportunities.
• Leverage analysis tools to nurture and grow a portfolio that exceeds ROE thresholds and evaluate client returns on a proactive basis.
• Manage timely and accurate data entry into BMO's systems and leverage the data to support decision‑making.
• Exercise judgment to identify, diagnose, and solve problems within given rules.
• Work independently on a range of complex tasks, which may include unique situations.
• Take measured risks while protecting the bank by applying the risk management framework in the execution of your role.

• Preferred 3–4 years of relevant experience in credit or lending instruments or financial operations in a corporate or banking environment.
• Bachelor’s degree required;
  Business Administration, Finance and Accounting preferred (any related discipline or commensurate work experience considered).
• Technical proficiency: intermediate level in problem solving, collaboration, detail‑oriented, analytical thinking, loan structuring, regulatory compliance, portfolio management, credit risk assessment, banking operations, Microsoft Office.
• Advanced level proficiency in data analysis tools and financial analysis.

Salary: $69,000.00 – $ (Salaried). The above represents BMO Financial Group’s pay range and type. Salaries vary based on location, skills, experience, education, and qualifications for the role, and may include a commission structure. BMO also offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans.

BMO is proud to be an 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, sexual stereotypes, 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, consistent with applicable federal, state and local law.

BMO is committed to working with and providing reasonable accommodations to individuals with disabilities. If you need a reasonable accommodation because of a disability for any part of the employment process, please send an e‑mail to  and let us know the nature of your request and your contact information.