Commercial Banking Credit Analyst

4 weeks ago

Toronto, Ontario, Canada BMO Full time

About the Role

The Credit Analyst works closely with a Director to review and assess credit qualities of new and existing loans on an assigned portfolio of clients within the Prairies region. The successful candidate will demonstrate strong accountability, a strong work ethic, and a good foundation of commercial real estate and lending knowledge.

Key Responsibilities

  • Facilitate decision-making and analysis of all types of credit information to support lending decisions and processes.
  • Maintain and promote a client service environment to satisfy and exceed customer needs and expectations.
  • Make credit decisions and recommendations in accordance with sound credit-granting principles and in compliance with Bank Policies & Procedures.
  • Identify new sales opportunities for prospects and existing commercial clients through analysis.
  • Participate in on-site client visits with other internal stakeholders.
  • Support the execution of strategic initiatives in collaboration with internal and external stakeholders.
  • Evaluate clients' ability to repay loans and consult on loan structure and collateral.
  • Identify trends in client activities which may be predictive of deteriorating credit quality.
  • Perform periodic reviews of credit where more frequent monitoring may be appropriate.
  • Understand borrower types typical in the high net worth market and their relation to collateral ownership, loan repayment, loan structure, etc.
  • Grant loan requests within specified limits, using understanding of credit scoring and risk management concepts.
  • Monitor covenants of clients within assigned portfolio to identify deteriorating credit conditions and compliance with loan agreement.
  • Provide accurate financial analysis and risk assessment of new and existing customers.
  • Partner with internal stakeholders for accurate, detailed client information.
  • Develop credit information to make lending decisions on new, renewal, and extension loans.
  • Assist in negotiations of terms and conditions of all decisions made via phone and e-mail interaction with clients.
  • Prepare summary, present facts, and offer opinions concerning credit worthiness.
  • Minimize BMO's risk exposure by adhering to internal credit policies and procedures with respect to lending decisions.
  • Provide input into the planning and implementation of operational programs.
  • Build effective relationships with internal/external stakeholders.

Requirements

  • 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.

Salary

$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.

BMO Financial Group's total compensation package will vary based on the pay type of the position and may include performance-based incentives, discretionary bonuses, as well as other perks and rewards. BMO also offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans. To view more details of our benefits, please visit:

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