Credit Analyst

, you'll play a critical role in helping businesses achieve their growth ambitions while supporting sound credit decisions that protect and strengthen our portfolio.

This is an exciting opportunity for a finance professional who enjoys analyzing complex financial information, building client relationships, and partnering with experienced Relationship Managers to deliver tailored banking solutions. You'll gain exposure to a diverse portfolio of commercial clients across multiple industries while developing expertise in credit structuring, risk management, and commercial lending.

What You'll Do

As a trusted partner to our Commercial Banking team, you will:

• 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.

What You'll Bring

• 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.

Preferred Competencies

• 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

Why Join BMO?

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.