Associate, Commercial Banking (Technology & Innovation)

Bank of Montreal; Toronto; On-site; CAD 69,000 - 129,000; Full time

Benefits offered by this job

Health insurance

Tuition reimbursement

Accident and life insurance

Retirement savings plans

Job summary

Bank of Montreal (BMO) seeks an Associate to support Technology & Innovation Banking by contributing to credit analysis, portfolio management, deal execution, and client engagement. The role works with Directors and Analysts to evaluate financing opportunities, structure solutions, and monitor performance across a Canadian innovation client base.

Ideal candidates bring 5–7 years in credit or lending, a relevant bachelor’s degree, and strong financial modeling skills to assess collateral needs

Qualifications

• 5–7 years of credit or lending experience in a corporate or banking setting.
• Bachelor’s degree required; related field preferred.
• Strong financial modeling and analytical capabilities.

Responsibilities

• Analyze credit information to support lending decisions and processes.
• Negotiate loan structures and terms aligned with risk appetite.
• Monitor portfolio performance and identify risks and opportunities.
• Lead proposal development and deliver client presentations.
• Develop business opportunities and expand client relationships.

Skills

Credit risk assessment

Portfolio management

Financial analysis

Regulatory compliance

Loan structuring

Client service

Education

Bachelor’s degree in Business Administration, Finance or Accounting

Tools

Microsoft Office

Job description

Application Deadline:08/31/2026Address:100 King Street WestJob Family Group:Commercial Sales & ServiceTechnology & Innovation Team OverviewBMO Technology & Innovation Banking is a national commercial banking team delivering capital, insights, and sector expertise to Canada’s leading high‑growth technology companies. The team provides tailored lending and advisory solutions to clients across enterprise software, consumer software, hardware, life sciences, fintech, and emerging innovation sectors, supporting their needs from early commercialization through scale‑up, IPO, and beyond.Job OverviewThe Associate plays a critical role in supporting relationship teams across Technology & Innovation Banking by contributing to credit analysis, portfolio management, deal execution, and client engagement. Working closely with Directors and Analysts, the Associate helps evaluate financing opportunities, structure credit solutions, monitor portfolio performance, and support new business development efforts as BMO expands its presence in the Canadian innovation economy.Analyzes credit information to support lending decisions and processes for new and existing Commercial banking loans and credit solutions in an assigned portfolio of clients. Makes credit decisions and recommendations in compliance with bank policies and procedures while maintaining an exceptional client service environment.Negotiates loan structures and terms and conditions that align client requirements with the bank risk appetite and policies.Assesses 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 policiesConducts financial analysis and risk assessments of clients’ credit information, for an assigned portfolio, to provide insights and make informed decisionsMonitors 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.Take measured risks while protecting the bank by applying our Risk Management Framework in the execution of your role, in line with our Risk Culture and within our approved Risk Appetite, making sound and risk informed decisions that align to business strategy, protect assets, and adhere to applicable policy documents (Frameworks, Policies, Standards, Procedures and Supporting documents), laws and regulations.Qualifications:Preferred 5 – 7 years of relevant experience in credit or lending instruments or financial operations in a corporate or banking environment.If a Credit Qualifiable job, Credit Qualifications and 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.Deep knowledge and technical proficiency gained through extensive education and business experience.Foundational level of proficiency:Structuring DealsAdvanced level of proficiency:Problem SolvingCollaborationDetail-OrientedCustomer ServiceLoan StructuringRegulatory CompliancePortfolio ManagementCredit Risk AssessmentBanking OperationsMicrosoft OfficeExpert level of proficiency:Financial analysisSalary :$69,000.00 - $129,000.00Pay Type:SalariedThe 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-RewardsAbout UsAt 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.Note to Recruiters: BMO does not accept unsolicited resumes from any source other than directly from a candidate. Any unsolicited resumes sent to BMO, directly or indirectly, will be considered BMO property. BMO will not pay a fee for any placement resulting from the receipt of an unsolicited resume. A recruiting agency must first have a valid, written and fully executed agency agreement contract for service to submit resumes.