Associate, Credit Structuring

4 weeks ago


Vancouver, Canada BMO Financial Group Full time

595 Burrard Street Vancouver British Columbia,V7X 1L7

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. This role will make credit decisions and recommendations in accordance with sound credit-granting principles and in compliance with Bank Policies & Procedures.
- Establishes cross-selling initiatives to increase penetration with client.
- Applies deep expertise in bank products, processes and systems and effectively trouble shooting to ensure a high-quality client experience.
- May coordinate closing with closing department, clients and attorneys.
- Serves as a daily escalation resource to ensure client expectations are met or exceeded.
- Acts as a trusted advisor to assigned business/group.
- Influences and negotiates to achieve business objectives.
- Recommends and implements solutions based on analysis of issues and implications for the business.
- Conducts independent analysis and assessment to resolve strategic issues.
- Helps determine business priorities and best sequence for execution of business/group strategy.
- Participates in the development of financial models and other analytical tools to assist clients in evaluating capital structure.
- Designs and produces regular and ad-hoc reports, and dashboards.
- Maintains current on financing trends in target clients' markets, and communicate same to team members.
- Leads or participates in defining the communication plan designed to positively influence or change behaviour; develops tailored messaging; and identifies appropriate distribution channels.
- Oversees preparation of concise, well reasoned credit correspondence.
- Coordinates the preparation of lending proposals and pitches to prospective clients with efforts to maximize penetration and returns.
- Negotiates transactions with clients and provides deal structuring expertise.
- Oversees documentation and ongoing monitoring of asset and client performance.
- May manage work flow of other analysts by aligning tasks with departmental goals and objectives.
- 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.
- 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 is primarily on business/group within BMO; may have broader, enterprise-wide focus.
- Provides specialized consulting, analytical and technical support.
- Exercises judgment to identify, diagnose, and solve problems within given rules.
- Works independently and regularly handles non-routine situations.
- Broader work or accountabilities may be assigned as needed.** Qualifications**:

- Typically between 5 - 7 years of relevant experience and post-secondary degree in related field of study or an equivalent combination of education and experience.
- Deep knowledge and technical proficiency gained through extensive 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.

**Compensation and Benefits**:
$68,000.00 - $126,000.00

**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.

**We’re here to help**

At BMO we are driven by a shared Purpose: Boldly Grow the Good in business and life. It calls on us to create lasting, positive change for our customers, our communities and our people. By working together, innovating and pushing boundaries, we transform lives and businesses, and power economic growth around the world.

As a member of the BMO team you are valued, respected and heard, and you have more ways to grow and make an impact. We strive to help you make an impact from day one - for yourself and our customers. We’ll support you with the tools and resources you need to reach new milestones, as you help our customers reach theirs. From in-depth training and coaching, to manager support and network-building opportunities, we’ll help y



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