Commercial Credit Associate​/Underwriter - Food & Consumer

At BMO, we’re building one of the fastest‑growing commercial banks in North America—powered by a simple, bold purpose:
to Boldly Grow the Good in business and life. As the 8th largest bank in North America and the 4th largest commercial lender
, we’re expanding rapidly across the U.S., backed by a culture that rewards ambition, empowers decision‑makers, and invests deeply in our people.

Join a team where your insights matter, your development is prioritized, and your work directly shapes the future of middle‑market banking. We offer a best‑in‑class Employee Value Proposition rooted in:

• Meaningful Impact:
  Influence credit decisions, shape deal structures, and support clients that fuel the North American economy.
• Career Growth:
  Gain hands‑on development through deep exposure to seasoned sector experts and complex transactions across the Food & Consumer landscape, senior‑level exposure, and a merit‑based path to advancement.
• Supportive Culture:
  Work in a collaborative, growth‑oriented environment where leaders are accessible and your voice is valued.
• Purpose‑Driven Work:
  Contribute to a thriving economy, a sustainable future, and more inclusive communities.

This role sits within BMO’s Food & Consumer Division
, one of the largest and most specialized platforms of its kind. With $47B+ in capital commitments and 130+ corporate and investment bankers serving Agribusiness, Food & Beverage, Retail & Distribution, and Consumer sectors, BMO offers unmatched industry expertise
—and the opportunity for you to work with some of the most impactful brands across North America.

If you’re a driven credit professional who wants to work on complex transactions, grow strategic client relationships, and be part of an ambitious, purpose‑led institution, this is where your next chapter begins.

BMO’s Food & Consumer Division is one of the largest and most specialized platforms in the market, with $47B+ in capital commitments and 130+ corporate and investment bankers serving Agribusiness, Food & Beverage, Retail & Distribution, Protein, and Consumer clients across North America. You’ll work on complex transactions with unmatched industry expertise and access to full‑bank capabilities.

• Analyze financial statements, cash flows, and industry dynamics to assess creditworthiness.
• Structure new, renewal, and extension loans aligned to client needs, collateral, and risk appetite.
• Prepare clear, insight‑rich credit memos and make recommendations/decisions.
• Utilize financial models and analytics to evaluate repayment capacity and capital structure.

• Monitor portfolio performance and early‑warning indicators; take proactive action where needed.
• Ensure adherence to credit policies, regulatory requirements, and operational controls.
• Maintain accurate, timely data in BMO systems; leverage data for decisioning and trend analysis.
• Track ROE and relationship returns; optimize structures to meet risk‑return thresholds.

• Collaborate closely with Relationship Managers and product partners to deliver client solutions.
• Support negotiations of terms and conditions that balance client objectives and risk.
• Serve as a point of contact for credit/service needs; elevate issues promptly when required.

• Develop proposals that win new mandates and expand share of wallet.
• Identify cross‑sell opportunities across treasury, FX, capital markets, and other solutions.
• Contribute to initiatives that enhance service quality and drive portfolio growth.

• Experience:
  
  3–4 years in commercial credit, lending, or financial analysis in banking or corporate finance.
• Education:
  
  Bachelor’s degree required;
  Finance, Accounting, or Business preferred (or equivalent experience).
• Technical
  
  Skills:
  • Financial analysis & modeling (advanced)
  • Loan structuring & collateral analysis
  • Credit risk assessment and portfolio management
  • Regulatory compliance & banking operations
  • Data analysis tools;
    Microsoft Office (Excel/PowerPoint/Word)
• Core Competencies:
  • Analytical thinking and problem solving
  • Sound judgment with attention to detail
  • Collaboration and…