Credit Risk Analyst

2 days ago

Halifax, Nova Scotia, Canada BMO Full time
Job Summary

We are seeking a highly skilled Credit Analyst to join our team at BMO. As a Credit Analyst, you will play a critical role in facilitating decision-making and analysis of credit information to support real estate-related lending decisions and processes.

Key Responsibilities
  • Facilitate decision-making and analysis of credit information to support real estate-related lending decisions and processes.
  • Maintain and promote a client service environment to satisfy and exceed customer needs and expectations.
  • 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.
  • Underwrite new business transactions & annual reviews.
  • Strong understanding of real estate asset classes (residential, industrial, office, and retail).
  • Apply expertise in bank products, processes, and systems and effectively troubleshoot to ensure a high-quality client experience.
  • Influence and negotiate to achieve business objectives.
  • Serve as a daily escalation resource to ensure client expectations are met or exceeded.
  • Act as the real estate subject matter expert in support of internal/external stakeholders.
  • May coordinate closings with closing department, clients, and attorneys.
  • Recommend and implement solutions based on analysis of issues and implications for the business.
  • Conduct independent analysis and assessment to support credit adjudication.
  • Develop 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.
  • Design and produce regular and ad-hoc reports, and dashboards.
  • Oversee preparation of concise, well-reasoned credit correspondence.
  • Oversee documentation and ongoing monitoring of asset and client performance.
  • Provide accurate financial analysis and risk assessment of new and existing customers.
  • Partner with internal stakeholders for accurate, detailed client information.
  • Prepare summary, present facts, and offer opinions concerning credit transactions under review.
  • Minimize BMO's risk exposure by adhering to internal credit policies and procedures with respect to lending decisions.
  • Build effective relationships with internal/external stakeholders.
  • Exercise judgment to identify, diagnose, and solve problems within given rules.
  • Work independently and regularly handle non-routine situations.
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.
What We Offer

BMO offers a competitive salary range of $51,800.00 - $96,500.00, as well as a comprehensive benefits package, including health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans.

We are committed to an inclusive, equitable, and accessible workplace. By learning from each other's differences, we gain strength through our people and our perspectives. Accommodations are available on request for candidates taking part in all aspects of the selection process.

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