Associate, Business Property Finance

BMO Financial Group; Montreal (administrative region); On-site; CAD 69,000 - 129,000; Full time

Job summary

A leading financial services firm in Montreal is seeking a skilled professional for the role focused on credit risk assessment and loan structuring. You'll negotiate terms that align with clients' requirements while managing relationships and monitoring portfolios to minimize risk. Ideal candidates have 5-7 years of relevant experience and a bachelor's degree in Business Administration or Finance. The position offers a competitive salary between $69,000 and $129,000, along with comprehensive benefits including health insurance and retirement plans.

Benefits

Health insurance

Tuition reimbursement

Retirement savings plans

Performance-based incentives

Discretionary bonuses

Qualifications

• 5 – 7 years of relevant experience in credit or lending instruments or financial operations.
• Required to obtain Credit Qualifications.
• Deep knowledge and technical proficiency in financial operations.

Responsibilities

• Negotiate loan structures and conditions to align with client needs.
• Assess and recommend loan structures and collateral requirements.
• Monitor credit conditions and portfolio performance.

Skills

Credit Risk Assessment

Problem Solving

Collaboration

Detail-Oriented

Customer Service

Loan Structuring

Regulatory Compliance

Portfolio Management

Financial analysis

Banking Operations

Microsoft Office

Education

Bachelor's degree

Professional Designation and/or Master's Degree

Job description

Application Deadline: 02/12/2026

Address: 105-119-129 rue St-Jacques O

Job Family Group: Commercial Sales & Service Business Property Finance team focuses on alternate real estate sectors where business risk is high. Sectors covered include Seniors Housing, Hotels, Student Housing, Storage, Film Studio finance, data centers and parking.

Responsibilities

• Negotiates loan structures and terms and conditions that align client requirements with the bank risk appetite and policies.
• Assess client repayment capacity by utilizing financial models and analytical tools to recommend appropriate loan structures and collateral requirements.
• Signs off on new, renewal and extension loans within delegated authority.
• Monitors portfolio to identify deteriorating credit conditions and compliance, analyses metrics, and assesses broader industry trends to spot risks and opportunities.
• Evaluates portfolio performance and recommends capital allocation strategies that optimize returns with investment objectives.
• Leads proposal development and delivers presentations to capture new business and expand client relationships.
• Networks with industry contacts to gather competitive insights and best practices.
• Develops and executes business development plans focused on enhancing client relationships and growth opportunities within the portfolio.
• Builds and maintains client relationships to ensure long-term financial performance in collaboration with Relationship Manager and business partners.
• Structures and supports new, renewal and extension loans aligned with client needs and bank & risk policies.
• Conducts financial analysis and risk assessments of clients’ credit information, for an assigned portfolio, to provide insights and make informed decisions.
• Monitors the portfolio performance for assigned portfolio of Commercial Banking clients on an ongoing basis, taking corrective action when required.
• Minimizes BMO’s risk exposure by adhering to credit policies, regulatory standards, and operational guidelines.
• Serves as a point of contact for service requests, ensuring expectations are consistently met or exceeded. Escalates issues when needed.
• Supports and implements initiatives to enhance service quality, acquire new business and expand client relationships.
• Identifies revenue and cross‑selling opportunities to enhance portfolio growth.
• Identifies share of wallet opportunities.
• Leverages analysis tools to nurture and grow a portfolio that exceeds ROE thresholds and evaluates client returns on a proactive basis.
• Manages timely and accurate data entry into BMO's systems and leverages the data to support decision‑making.
• 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

• 5 – 7 years of relevant experience in credit or lending instruments or financial operations in a corporate or banking environment.
• Required to obtain Credit Qualifications.
• Associated credit knowledge and skills according to the credit portfolio requirements and qualification standards.
• Bachelor’s degree required; Business Administration, Finance and Accounting preferred. Any other related discipline or commensurate work experience considered.
• Professional Designation and/or Master's Degree preferred.
• Deep knowledge and technical proficiency gained through extensive education and business experience.

Foundational level of proficiency

• Structuring Deals

Advanced level of proficiency

• Problem Solving
• Collaboration
• Detail‑Oriented
• Customer Service
• Loan Structuring
• Regulatory Compliance
• Portfolio Management
• Credit Risk Assessment
• Banking Operations
• Microsoft Office

Expert level of proficiency

• Financial analysis

Salary

$69,000.00 - $129,000.00

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.

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: https://jobs.bmo.com/global/en/Total-Rewards

About Us

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.

To find out more visit us at https://jobs.bmo.com/ca/en.

BMO is 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. To request accommodation, please contact your recruiter.

Equal Employment Opportunity Statement

All qualified applicants will receive consideration for employment under BMO’s Equal Employment Opportunity (EEO) policy and are not discriminated on the basis of race, color, religion, sex (including pregnancy, lactation and any other protected characteristic under federal, provincial or municipal law), national origin, age, disability, veteran status, or any other protected class.