Senior credit analyst, transportation finance

1 week ago

Mississauga, Ontario, Canada BMO Financial Group Full time $2

Ventes et service, Grandes entreprises The Senior Credit Analyst will be primary responsible for reviewing and adjudicating commercial transactions in the Transportation, Construction and Vendor space up to $1.5MM originating from internal Account Managers, referring dealers and partners.

The candidate will review opportunities to ensure the structures requested commensurate with the quality of the underlining credit.

The Credit Analyst will use a combination of available external market reports (credit bureaus, corporate searches, other publicly available information), financial statement analysis, and industry knowledge to make their decisions.

In addition they will work on special projects and programs as they develop.
Manage a high volume credit queue ensuring timely responses within commercial SLA's.
Assess equipment values underling credit facilities ensuring the appropriate loan to value

Prepare risk assessments and present to senior management with a clear and consistent approach to mitigate risks for transactions that fall outside of the Analyst authorities.

Comply with regulatory requirements.

Bachelor's Degree with 5+ years or equivalent experience in underwriting, portfolio management, or commercial loans with exposure to transportation or heavy equipment industries and vendor finance.

Experience in financial statement analysis, market research and asset valuation. Experience preparing financial information, interpreting financial performance, and assessing risk.
Bachelor's Degree in Accounting, Finance or Business Administration
Experience with evaluating transportation/heavy equipment asset values
Policy driven mindset

Facilitates decisioning and analysis of all types of credit information to support lending decisions and processes for the bank.

This role will make credit decisions and recommendations in accordance with sound credit-granting principles and in compliance with Bank Policies & Procedures.

Identifies new sales opportunities for prospects and existing commercial clients through analysis.
May participate in on-site client visits with other internal stakeholders.
Recommends credit according to sound credit-granting principles.
Exercises individually held Commercial unilateral discretionary limits and any held prescribed approval discretionary limits.
Identifies trends in client activities which may be predictive of deteriorating credit quality.
Performs periodic reviews of credit where more frequent monitoring may be appropriate.

Understands borrower types typical in the high net worth market and their relation to collateral ownership, loan repayment, loan structure, etc.

Grants loan requests within specified limits, using understanding of credit scoring and risk management concepts.
Monitors covenants of clients within assigned portfolio to identify deteriorating credit conditions and compliance with loan agreement.
Provides accurate financial analysis and risk assessment of new and existing customers.
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.

Typically between - 6 years of relevant experience and post-secondary degree in related field of study or an equivalent combination of education and experience.

Technical proficiency gained through education and/or business experience.
Data driven decision making - In-depth.
Rémunération et avantages sociaux :
$Les salaires pour les postes à temps partiel seront calculés au prorata du nombre d'heures travaillées régulièrement. BMO offre également une assurance santé, le remboursement des frais de scolarité, une assurance accident et une assurance vie, ainsi que des régimes d'épargne-retraite.

Pour en savoir plus sur nos avantages sociaux, consultez le site :

Cette raison d'être nous invite à entraîner des changements positifs et durables pour nos clients, nos collectivités et nos gens.

Nous vous offrirons les outils et les ressources dont vous avez besoin pour franchir de nouvelles étapes, car vous aidez nos clients à franchir les leurs.

Au moyen de formation et de coaching approfondis ainsi que de soutien de la direction et d'occasions de réseautage, nous vous aiderons à acquérir une expérience enrichissante et à élargir votre groupe de compétences.

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