Commercial Credit Analyst; or Recent Graduate), Quebec

We are excited to launch the revised and improved 2026
Launch Pad for the BMO Commercial Bank, Canada. The program provides a unique combination of experiences, classroom learning, eLearning, case studies, mentoring, on-the-job training and team‑building events during your first 12 month period. This is an exciting and structured start to your career as a Commercial Credit Analyst on one of our Middle Market Diversified Industries or select Specialty Finance teams.

• Cohort‑based learning
• On-the-job training, work experience, and performance feedback
• Valuable networking opportunities
• Exposure to a variety of industry sector experts
• Holistic development of a broad set of skills
• Extensive exposure to industry-leading methods and practices
• A disciplined and tested career path
• Opportunities to interact with the most senior leaders in the organization
• Ongoing coaching and mentoring

• Financial Analysis & Underwriting
• Credit Risk Assessment
• Portfolio Management
• Deal Execution Support
• Governance, Compliance & Documentation

• Analyze credit information to support lending decisions for new and existing commercial banking loans and credit solutions within an assigned portfolio.
• Make credit decisions and recommendations in compliance with bank policies while maintaining an exceptional client service environment.
• Perform financial analysis and calculations, assess client creditworthiness, and prepare detailed credit summaries.
• 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 the manager.
• 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, structuring 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 in collaboration with Relationship Managers and business partners.
• Structure and support new, renewal, and extension loans in alignment with client needs and bank policies.
• Conduct financial analysis and risk assessments for the assigned portfolio to provide insights and informed decisions.
• Monitor portfolio performance on an ongoing basis and take corrective action when required.
• 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 consistently met or exceeded, and escalating 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 and share of wallet.
• Leverage analysis tools to nurture and grow a portfolio that exceeds ROE thresholds and evaluates client returns proactively.
• 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 while working independently on complex tasks.
• Take measured risks while protecting the bank by applying the Risk Management Framework in line with risk culture and approved risk appetite.

• Preferred 1–2 years of relevant experience in credit, lending instruments, or financial operations in a corporate or banking environment.
• Credit qualifications and associated credit knowledge and skills according to the credit portfolio requirements and qualification standards (if applicable).
• 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 proficiency in problem solving, collaboration, detail orientation, analytical thinking, loan structuring, regulatory compliance, portfolio management, credit risk assessment, banking operations, and Microsoft Office.
• Advanced proficiency in data analysis tools and financial analysis.
• Fluency in French and English.

Salary: $56,000.00 – $ (salaried)

BMO offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans. Additional performance‑based incentives and discretionary bonuses may apply.