Associate, Commercial Banking - Dealer Finance

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. Makes 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, and 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 management.
• Monitor portfolio performance, identify deteriorating credit conditions, and ensure compliance.
• Analyze metrics and assess industry trends to spot risks and opportunities.
• Negotiate loan terms and conditions and structure loans that align with client requirements and bank 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 Managers and business partners.
• Structure and support new, renewal and extension loans aligned with client needs and bank and risk policies.
• Conduct financial analysis and risk assessments of clients’ credit information to provide insights and make informed decisions.
• Minimize the bank’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 and escalating issues when needed.
• 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 the bank’s systems and use the data to support decision‑making.
• Exercise judgment to identify, diagnose, and solve problems within the 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 and adhering 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 applying for a credit‑qualifiable position, possession of credit qualifications and the associated credit knowledge and skills required by the portfolio.
• Bachelor’s degree required;
  Business Administration, Finance or Accounting preferred. Other related disciplines or commensurate work experience considered.
• Technical proficiency gained through education and/or business experience.

• Intermediate: Problem Solving, Collaboration, Detail‑Oriented, Analytical Thinking, Loan Structuring, Regulatory Compliance, Portfolio Management, Credit Risk Assessment, Banking Operations, Microsoft Office.
• Advanced: Data Analysis Tools, Financial Analysis.

$69,000.00 – $ (Salaried; varies by location, skills, experience, education, and qualifications)

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.