Credit Analyst, Commercial Banking

Final date to receive applications:07/05/2026

Address:100 King Street West Job Family Group:

Commercial Sales & Service Business Property Finance focuses on alternative real estate sectors characterized by higher operating and business risk. Our core sectors include Seniors Housing, Hospitality, Student Housing, Self-Storage, Film Studios, Data Centers, and Parking. We are a differentiated and rapidly growing platform, working with large, market-leading clients across these sectors. The team consistently takes on lead arranger and syndication roles, providing tailored financing solutions while leveraging deep sector expertise.

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.

Performs financial analysis and calculations, assesses client creditworthiness, prepares detailed credit summaries, analyses financial performance and risk profiles of clients within the portfolio.

Utilizes financial models and analytical tools to assess client repayment capacity and recommend appropriate loan structures and collateral.

Supports credit-granting decisions by making recommendations to manager.

Supports portfolio monitoring and compliance, within the portfolio to identify deteriorating credit conditions and ensure compliance.

Analyses metrics and assesses industry trends to spot risks and opportunities.

Supports the negotiation of loan terms and conditions and the structuring of loans that align with client requirements and ensure compliance with the banks risk appetite and policies.

Develops proposals to capture new business and expand client relationships.

Builds and maintains client relationships to ensure long-term financial performance in collaboration with Relationship Manager and business partners.

Structures and supports new, renewal and extension loans aligned with client needs and bank & risk policies

Conducts financial analysis and risk assessments of clients’ credit information, for an assigned portfolio, to provide insights and make informed decisions

Monitors the portfolio performance for assigned portfolio of Commercial Banking clients on an ongoing basis, taking corrective action when required.

Minimizes BMO’s risk exposure by adhering to credit policies, regulatory standards, and operational guidelines.

Serves as a point of contact for service requests, ensuring expectations are consistently met or exceeded. Escalates issues when needed.

Supports and implements initiatives to enhance service quality, acquire new business and expand client relationships.

Identifies revenue and cross-selling opportunities to enhance portfolio growth.

Identifies share of wallet opportunities.

Leverages analysis tools to nurture and grow a portfolio that exceeds ROE thresholds and evaluates client returns on a proactive basis.

Manages timely and accurate data entry into BMO's systems and leverages the data to support decision-making.

Focus is primarily on business/group within BMO; may have broader, enterprise-wide focus.

Exercises judgment to identify, diagnose, and solve problems within given rules.

Works independently on a range of complex tasks, which may include unique situations.

Broader work or accountabilities may be assigned as needed.

Take measured risks while protecting the bank by applying our Risk Management Framework in the execution of your role, in line with our Risk Culture and within our approved Risk Appetite, making sound and risk informed decisions that align to business strategy, protect assets, and adhere to applicable policy documents (Frameworks, Policies, Standards, Procedures and Supporting documents), laws and regulations.

Qualifications:

Preferred 3 – 4 years of relevant experience in credit or lending instruments or financial operations in a corporate or banking environment.

If a Credit Qualifiable job, Credit Qualifications and associated credit knowledge and skills according to the credit portfolio requirements and qualification…