Full-Time

Credit Analyst

Commercial Banking

Posted on 6/3/2025

Deadline 6/23/25
Bank of Montreal

Bank of Montreal

10,001+ employees

Diversified financial services provider in North America

Compensation Overview

$52.8k - $98.4k/yr

+ Commission + Performance-based incentives

Mid, Senior

Phoenix, AZ, USA

Category
Commercial Banking
Finance & Banking
Required Skills
Financial analysis
Risk Management
Data Analysis
Requirements
  • Typically between 3 – 5 years of relevant experience and post-secondary degree in related field of study or an equivalent combination of education and experience.
  • 3-5 years of previous Commercial Loan and Credit analyst experience required.
  • In depth specific functional knowledge and broad business knowledge.
  • Strong analytical skills.
  • Exceptional skills in quantitative analytics and credit analysis skills.
  • Highly developed written and oral communication skills.
  • Strong proficiency in Microsoft Office products and the Internet.
  • Strong interpersonal skills.
  • Ability to work under limited supervision.
  • Basic understanding of risk management concepts.
  • Ability to learn and adapt quickly.
  • Excellent capability to independently and proactively service multiple clients.
  • Specialized knowledge from education and/or business experience.
  • Verbal & written communication skills - In-depth.
  • Collaboration & team skills - In-depth.
  • Analytical and problem solving skills - In-depth.
  • Influence skills - In-depth.
Responsibilities
  • Facilitates decisioning and analysis of all types of credit information to support lending decisions and processes for the bank.
  • Maintains and promotes a client service environment to satisfy and exceed customer needs and expectations.
  • Acts timely, efficiently and independently, taking ownership of client satisfaction.
  • May include focused calling and pipeline management activities.
  • Provides advice and guidance to assigned business/group on implementation of solutions.
  • Breaks down strategic problems, and analyses data and information to provide insights and recommendations.
  • Conducts thorough analysis of client capital and credit risk.
  • Provides accurate financial analysis and risk assessment of new and existing customers.
  • Partners with internal stakeholders for accurate, detailed client information.
  • Develops credit information to make lending decisions on new, renewal and extension loans.
  • Assists in negotiations of terms and conditions of all decisions made via phone and e-mail interaction with clients.
  • Prepares summary, present facts and offer opinions concerning credit worthiness.
  • Minimizes BMO’s risk exposure by adhering to internal credit policies and procedures with respect to lending decisions.
  • Provides input into the planning and implementation of operational programs.
  • Builds effective relationships with internal/external stakeholders.
  • Focus may be on a business/group.
  • Thinks creatively and proposes new solutions.
  • Exercises judgment to identify, diagnose, and solve problems within given rules.
  • Works mostly independently.
  • Broader work or accountabilities may be assigned as needed.
Desired Qualifications
  • Specialized knowledge from education and/or business experience.

BMO Financial Group provides a variety of banking services to individuals, businesses, and public sector clients primarily in Canada and the United States. Their offerings include personal banking products like savings accounts, mortgages, and personal loans, as well as specialized services for businesses such as commercial loans and treasury management. BMO also operates in capital markets, providing investment banking, trading, and research services. What sets BMO apart from its competitors is its focus on tailored financial solutions that cater to the specific needs of different industries, including agriculture, technology, and real estate. The company's goal is to deliver comprehensive financial services that help clients achieve their financial objectives.

Company Size

10,001+

Company Stage

IPO

Headquarters

Toronto, Canada

Founded

1988

Simplify Jobs

Simplify's Take

What believers are saying

  • Increased investment in digital banking enhances customer experience and operational efficiency.
  • Expansion in the U.S. market strengthens BMO's competitive position and growth potential.
  • Leveraging AI for risk management and personalized service improves operational effectiveness.

What critics are saying

  • Rising competition in credit facilities may impact BMO's market share and pricing power.
  • Issuance of subordinated notes could increase debt levels, affecting credit rating.
  • Sector-specific risks from asset-based lending in volatile industries like forestry.

What makes Bank of Montreal unique

  • BMO offers tailored financial services across diverse industries, enhancing client-specific solutions.
  • Strong presence in North America with strategic U.S. expansion through acquisitions like Bank of the West.
  • Commitment to sustainable finance with a $300 billion goal by 2025.

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Benefits

Health Insurance

Tuition Reimbursement

Accident and Life Insurance

401(k) Retirement Plan

Professional Development Budget

Hybrid Work Options

Company News

PRWeb
Jun 3rd, 2025
HostPapa Secures $130M Credit Facility

HostPapa, Inc. announced the closing of a $130 million senior secured credit facility led by BMO, with participation from TD, RBC, Citibank, and BDC. This facility replaces the previous one from TD and includes an uncommitted accordion option for additional capital. The funds will accelerate HostPapa's SaaS expansion, innovation, and acquisition strategy, supporting its vision to enhance customer lifecycle solutions. CEO Jamie Opalchuk highlighted the strong confidence from financial institutions.

Yahoo Finance
May 15th, 2025
SIR CORP. ANNOUNCES CREDIT AGREEMENT WITH NEW SENIOR LENDERS

SIR Corp. ("SIR"), which has several agreements and interests related to SIR Royalty Income Fund (the "Fund") (TSX: SRV.UN), announced today that it has entered into a credit agreement (the "Credit Agreement") with new senior lenders to refinance its current credit facility. A copy of the Credit Agreement will be filed on SEDAR+ under the Fund's profile.

Newswire
Feb 26th, 2025
Bank of Montreal Announces Subordinated Notes Issue

/CNW/ - Bank of Montreal (TSX: BMO) (NYSE: BMO) today announced a domestic public offering of $1.25 billion of subordinated notes (Non-Viability Contingent...

GlobeNewswire
Feb 26th, 2025
FirstService Increases Credit Facility to US$1.75 Billion

TORONTO, Feb. 26, 2025 (GLOBE NEWSWIRE) -- FirstService Corporation (TSX: FSV; NASDAQ: FSV) (“FirstService”) announced today that it has expanded and...

Goldseiten
Feb 24th, 2025
Gold Royalty kündigt eine geänderte und erweiterte revolvierende Kreditfazilität in Höhe von maximal 75 Mio. $ an

Die geänderte und aufgestockte Fazilität wird mit einem reduzierten Zinssatz versehen, der auf dem SOFR plus einer Marge von 3,00% basiert, was einer Zinssenkung um 100 Basispunkte entspricht. Die Fazilität besteht nun aus einer besicherten...

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