Credit Analyst

5 months ago


Montréal, Canada BMO Financial Group Full time

105 rue St-Jacques O Montreal Quebec,H2Y 1L6

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.
- Identifies new sales opportunities for prospects and existing commercial clients through analysis.
- May participate in on-site client visits with other internal stakeholders.
- Maintains and promotes a customer service environment which meets and exceeds customer needs and expectations.
- Recommends credit according to sound credit-granting principles.
- Exercises individually held Commercial unilateral discretionary limits and any held prescribed approval discretionary limits.
- Supports the execution of strategic initiatives in collaboration with internal and external stakeholders.
- Evaluates clients’ ability to repay loans and consults on loan structure and collateral.
- 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.
- 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.
- Exercises judgment to identify, diagnose, and solve problems within given rules.
- Works independently on a range of complex tasks, which may include unique situations.
- Broader work or accountabilities may be assigned as needed.** Qualifications**:

- Typically between 4 - 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.
- 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.

This position requires proficiency in English to interact, support and/or provide services to non-French speaking customers, employees and/or partners inside and/or outside the province of Quebec.

**Compensation and Benefits**:
$54,500.00 - $101,500.00

**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 you gain valuable experience, and broaden your skillset.


  • Credit Analyst

    3 months ago


    Montréal, QC, Canada iA Groupe financier iA Financial Group Full time

    Domain : Private Welath Type : Contract (16 months) Start : September Credit Department is to minimize market and credit risk. Credit Analyst plays an integral role of balancing the need to reduce risk with the needs of IA Private Wealth Retail clients. This is done through various tasks and accountabilities. The Credit Analyst will report to the Director...

  • Credit Analyst

    5 months ago


    Montréal, Canada BMO Financial Group Full time

    105-119-129 rue St-Jacques O Montreal Quebec,H2Y 1L6 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...


  • Montréal, Canada Quanteam North America Full time

    **WHO WE ARE** As the founding entity of RAINBOW PARTNERS, Quanteam is a consulting firm specializing in the fields of Banking, Finance, and Financial Services. Guided by our core values of closeness, teamwork, diversity, and excellence, our team of 1,000 expert consultants, representing 35 different nationalities, collaborates across 10 international...


  • Montréal, QC, Canada CREDITFAX RISK MANAGEMENT Full time

    commercial credit analyst will gather information regarding current status of companies in their ability to pay and determine their credit standing. to work with a team gathering information fluent in both French and English. minimum 2 years experience in credit and or accounts receivable - Sanitizing, disinfecting, or cleaning procedures in place Work...


  • Montréal, Canada TD Bank Full time

    **Credit Application Analyst**: - 414914BR **Job Category - Primary** - Operations & Underwriting **Work Location** - 7250 Mile End **Employment Type** - Regular **City** - Montreal **Time Type** - Full Time **Province/State** - Quebec **Hours** - 37.5 **Workplace Model** - Offsite **Pay Details** **Department Overview** The National Office...


  • Montréal, Canada UAP Inc. Full time

    **Company Description** At UAP, we believe we don’t just deliver car and heavy vehicle parts all around the country; **we also** help keep Canadians moving **forward**. To do so, we have a team of finance experts to make sure everything balances. Join a special kind of workplace. We have the experience and strength of our 100-year legacy and the desire to...

  • Credit Analyst

    5 months ago


    Montréal, Canada BMO Financial Group Full time

    105 rue St-Jacques O Montreal Quebec,H2Y 1L6 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...

  • Credit Analyst

    5 months ago


    Montréal, Canada BMO Financial Group Full time

    105-119-129 rue St-Jacques O Montreal Quebec,H2Y 1L6 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...


  • Montréal, Canada Global Payments Canada Full time

    **Summary of This Role** Routinely monitors existing merchant accounts and relationships for potential risk exposure to the company and assists management in mitigating losses. Effectively interacts with merchants, sales representatives, Senior Credit Review Analysts and Management to achieve timely review of accounts, in mitigating loss and in protecting...


  • Montréal, Canada Société Générale Full time

    **Responsibilities**: **ABOUT THE JOB**: Global Banking and Advisory (GLBA) combines recognized wholesale coverage with world-class product, financing, and advisory expertise within one team, enabling us to best support our clients. On the one hand, our transversal, product-neutral coverage teams span all businesses to promote the bank's products and...


  • Montréal, Canada BMO Financial Group Full time

    105-119-129 rue St-Jacques O Montreal Quebec,H2Y 1L6 Performs ongoing comprehensive client credit analysis for an assigned number of client portfolios to assess the business entity’s overall financial health and credit risk using discretionary authority within prescribed limits. Applies lending expertise to a lending product portfolio or part of the...


  • Montréal, Canada Echotape Full time

    ECHOtape is a leading North American supplier of Pressure Sensitive Tapes. With 50 years of industry experience, we recognize that people are our greatest resource. Our success is built upon the combined efforts of every employee and their interactions with each other and with our valued customers. Each person, regardless of title or role, is integral to our...


  • Montréal, Canada Echotape Full time

    ECHOtape is a leading North American supplier of Pressure Sensitive Tapes. With 50 years of industry experience, we recognize that people are our greatest resource. Our success is built upon the combined efforts of every employee and their interactions with each other and with our valued customers. Each person, regardless of title or role, is integral to our...

  • Data Analyst

    7 months ago


    Montréal, Canada Vault Credit Corporation Full time

    **Get to Know Vault Credit Corporation** Vault is a non-bank private lending company offering a wide array of financial services such as mortgage, leasing and lending products. Vault has a devoted team of experts with years of experience in both financial services and real estate. We are dedicated to delivering products and services that meet the diverse...


  • Montréal, Canada Global Payments Full time

    Every day, Global Payments makes it possible for millions of people to move money between buyers and sellers using our payments solutions for credit, debit, prepaid and merchant services. Our worldwide team helps over 3 million companies, more than 1,300 financial institutions and over 600 million cardholders grow with confidence and achieve amazing results....


  • Montréal, Canada Crédit Agricole CIB Full time

    **Description du poste**: - Description of the missions linked to the job responsibilities- Reviewing and understanding Credit Approvals - Have an understanding of the Credit Approval process - Ability to understand and translate the Credit Approval into the Banks Quantitative Data Model - Ability to understand the executed Loan Documentation, especially...

  • Credit analyst

    15 hours ago


    montréal (saint laurent), Canada CENTURA Full time

    Under the responsibility of the credit manager, the incumbent must ensure that losses and late payments are kept at the lowest level, without compromising the achievement of the sales volumes necessary for the profitability of the company. The major challenge of the position is to collect customers according to the terms established by the service, to...

  • Credit analyst

    21 hours ago


    montréal (saint laurent), Canada CENTURA Full time

    Under the responsibility of the credit manager, the incumbent must ensure that losses and late payments are kept at the lowest level, without compromising the achievement of the sales volumes necessary for the profitability of the company. The major challenge of the position is to collect customers according to the terms established by the service, to...


  • Montréal, Canada TD Bank Full time

    **Credit Application Analyst - Greater Montreal Area**: - 424240BR **Job Category - Primary** - Operations & Underwriting **Work Location** - 7250 Mile End **Employment Type** - Regular **City** - Montreal **Time Type** - Full Time **Province/State** - Quebec **Hours** - 37.5 **Workplace Model** - Hybrid **Pay Details** **Department...


  • Montréal, Canada ECHOtape Full time

    **Responsibilities**: - Proactively analyze credit limits and assess risk of all active customers - Review, approve and open new accounts while adhering to company policy - Maintain the accuracy of all customer documentation including all sales tax certificates and company information - Collect outstanding customer accounts to ensure timely payments -...