Credit Analyst, Real Estate Finance

3 weeks ago


Montréal, Canada BMO Financial Group Full time

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

**The Associate, Real Estate Finance** 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
- Strong 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.
- 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.

**Qualifications**:

- 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.
- 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

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.

**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.



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