Financial Analyst - Dealer Finance

Job Overview

Commercial Credit Analyst – Responsible for analyzing credit information, performing financial analysis, and making credit decisions for BMO’s commercial banking clients.

• Analyze credit information to support lending decisions and processes for new and existing commercial banking loans.
• Make credit decisions and recommendations in compliance with bank policies and procedures while maintaining exceptional client service.
• 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 portfolio monitoring and compliance, identifying deteriorating credit conditions and ensuring compliance.
• Analyze metrics and assess industry trends to spot risks and opportunities.
• Support the negotiation of loan terms 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 risk policies.
• Conduct risk assessments of clients’ credit information to provide insights and make informed decisions.
• Monitor the portfolio performance for assigned clients on an ongoing basis, taking corrective action when required.
• Minimize 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, and escalating issues when needed.
• Support 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 opportunities.
• 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 systems to support decision‑making.

• Preferred 3–4 years of relevant experience in credit or lending instruments or financial operations in a corporate or banking environment.
• Must have financial industry experience; commercial banking experience is a nice‑to‑have.
• Experience with loan or lending operations and credit qualifications and associated credit knowledge and skills.
• Bachelor’s degree required;
  Business Administration, Finance and Accounting preferred.
• Technical proficiency:
  Microsoft Office (advanced), data analysis tools, financial analysis.
• Competencies:
  
  Problem solving, collaboration, detail‑oriented, analytical thinking, loan structuring, regulatory compliance, portfolio management, credit risk assessment, banking operations.

$69,000.00 – $ (Salaried). Compensation may include commission structure, performance‑based incentives, discretionary bonuses, and other perks.

BMO also offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans. For more details on our benefits, visit .

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.