Credit Analyst

Final date to receive applications: 12/04/2026

Address: 100 New Park Place

Job Family Group:
Commercial Sales & Service Credit Analyst, Diversified Industries

Shape the Future of Commercial Banking

At BMO, we're driven by a shared purpose:
Boldly Grow the Good in business and life.

• Analyze financial statements, cash flow, industry trends, and business performance to assess creditworthiness and support lending decisions.
• Prepare comprehensive credit applications and recommendations for new, renewal, and extension financing requests.
• Evaluate repayment capacity, collateral adequacy, and risk factors using financial models and analytical tools.
• Monitor an assigned portfolio of commercial clients, identifying emerging risks and opportunities while ensuring compliance with Bank policies and regulatory requirements.
• Partner closely with Relationship Managers to structure customized financing solutions that meet client needs while aligning with BMO's risk appetite.
• Support client meetings, portfolio reviews, and ongoing relationship management activities.
• Identify opportunities to deepen client relationships through additional banking solutions and cross-functional partnerships.
• Contribute to business development initiatives aimed at growing market share and expanding client relationships.
• Maintain accurate portfolio information and leverage data-driven insights to support decision-making and portfolio performance.
• Apply sound judgment and risk management practices to protect the Bank while delivering exceptional client experiences.

• 3-4 years of experience in commercial credit, lending, financial analysis, corporate banking, or a related financial services environment.
• Bachelor's degree in Business Administration, Finance, Accounting, Economics, or a related field.
• Strong understanding of commercial lending principles, credit risk assessment, and financial statement analysis.
• Experience evaluating business performance, cash flow, debt servicing capacity, and loan structures.
• Excellent analytical and problem-solving skills with the ability to assess complex financial information and provide actionable recommendations.
• Strong communication and relationship-building abilities with a client-focused mindset.
• Ability to manage multiple priorities in a fast-paced, team-oriented environment.
• Proficiency with Microsoft Office applications and financial analysis tools.

• Advanced Skills
• Financial Analysis
• Credit Risk Assessment
• Data Analytics & Reporting
• Core Strengths
• Portfolio Management
• Loan Structuring
• Regulatory Compliance
• Analytical Thinking
• Collaboration
• Attention to Detail
• Banking Operations
• Problem Solving

At BMO, you'll have the opportunity to work alongside experienced commercial banking professionals, gain exposure to a diverse client portfolio, and build a rewarding career in one of Canada's leading financial institutions. We invest in our people through ongoing development, coaching, and opportunities for advancement, empowering you to make a meaningful impact for our clients, communities, and colleagues every day.

Salary: $70,000.00 - $

Pay Type:

Salaried

The above represents BMO Financial Group’s pay range and type. Salaries will vary based on factors such as location, skills, experience, education, and qualifications for the role, and may include a commission structure. Salaries for part-time roles will be pro-rated based on number of hours regularly worked. For commission roles, the salary listed above represents BMO Financial Group’s expected target for the first year in this position.

BMO Financial Group’s total compensation package will vary based on the pay type of the position and may include performance-based incentives, discretionary bonuses, as well…