Sr. Financial Analyst - Equipment Finance

Job Overview

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 while maintaining exceptional client service. Negotiate loan structures and terms that align client requirements with the bank risk appetite and policies. Assess client repayment capacity using financial models and analytical tools to recommend appropriate loan structures and collateral requirements.

Sign off on new, renewal and extension loans within delegated authority.

• Monitor portfolio to identify deteriorating credit conditions and compliance issues, analyze metrics, and assess broader industry trends to spot risks and opportunities.
• Evaluate portfolio performance and recommend capital allocation strategies that optimize returns with investment objectives.
• Lead proposal development and deliver presentations to capture new business and expand client relationships.
• Network with industry contacts to gather competitive insights and best practices.
• Develop and execute business development plans focused on enhancing client relationships and growth opportunities within the portfolio.
• 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 to provide insights and make informed decisions.
• Take corrective action when required by monitoring portfolio performance.
• Minimize risk exposure by adhering to credit policies, regulatory standards, and operational guidelines.
• Serve as a point of contact for service requests, ensuring expectations are met or exceeded, and escalates 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.
• Leverage analysis tools to nurture and grow a portfolio that exceeds ROE thresholds and evaluate client returns proactively.
• Manage timely and accurate data entry into BMO’s systems and leverage the data to support decision‑making.

• Preferred 5–7 years of relevant experience in credit or lending instruments or financial operations in a corporate or banking environment.
• Required Bachelor’s degree (Business Administration, Finance, Accounting or related discipline). Any other related discipline or commensurate work experience considered.
• Deep knowledge and technical proficiency gained through extensive education and business experience.
• Proficiency levels:
  • Foundational:
    Structuring Deals, Problem Solving, Collaboration, Detail‑Oriented Customer Service, Loan Structuring, Regulatory Compliance, Portfolio Management, Credit Risk Assessment, Banking Operations, Microsoft Office, Financial Analysis.
  • Advanced/Expert: (qualifications specified per job portfolio – see internal guidelines).

Salary range: $88,800.00 – $ (salaried). Total compensation may include performance‑based incentives, discretionary bonuses, and other perks and rewards. BMO 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, 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.