Credit Analyst, Commercial Banking

will facilitate decisioning and analysis of all types of credit information to support real estate related lending decisions and processes for the bank. Maintains and promotes a client service environment to satisfy and exceed customer needs and expectations. This role will support the development of credit recommendations in accordance with sound credit-granting principles and in compliance with Bank Policies & Procedures.

• Focus on construction & development financing as well as commercial mortgage/term lending
• Underwriting of new business transactions & annual reviews
• Understanding of real estate asset classes (residential, industrial, office, and retail)
• Applies expertise in bank products, processes and systems and effectively trouble shooting to ensure a high-quality client experience.
• Influences and negotiates to achieve business objectives.
• Serves as a daily escalation resource to ensure client expectations are met or exceeded.
• Acts as the real estate subject matter expert in support of internal/external stakeholders.
• May coordinate closings with closing department, clients and attorneys.
• Recommends and implements solutions based on analysis of issues and implications for the business.
• Conducts independent analysis and assessment to support credit adjudication.
• Develops monthly action plans relating to portfolio management to prioritize key deliverables on annual reviews and new business transactions in association with the account management team.
• Designs and produces regular and ad-hoc reports, and dashboards.
• Oversees preparation of concise, well-reasoned credit correspondence.
• Oversees documentation and ongoing monitoring of asset and client performance.
• Provides accurate financial analysis and risk assessment of new and existing customers.
• Partners with internal stakeholders for accurate, detailed client information.
• Prepares summary, present facts and offer opinions concerning credit transactions under review.
• Minimizes BMO's risk exposure by adhering to internal credit policies and procedures with respect to lending decisions.
• Builds effective relationships with internal/external stakeholders.
• Exercise's judgment to identify, diagnose, and solve problems within given rules.
• Works independently and regularly handles non-routine situations.
• Broader work or accountabilities will be assigned as needed.

• Preferred 3 - 4 years of relevant experience in credit or lending instruments or financial operations in a corporate or banking environment.
• Bachelor's degree required; Business Administration, Finance and Accounting preferred. Any other related discipline or commensurate work experience considered.
• Strong knowledge and technical proficiency gained through education and business experience.
• Verbal & written communication skills - In-depth.
• Collaboration & team skills - In-depth.
• Analytical and problem-solving skills - In-depth.
• Influence skills - In-depth.
• Data driven decision making - In-depth.
• Strong Microsoft Excel capabilities
• Effective business writing and communications capabilities