Commercial Credit Analyst

BMO; Montreal; On-site; CAD 56,000 - 104,000; Full time

Job summary

A leading financial institution in Montreal seeks an experienced individual to facilitate credit decision-making. The role emphasizes client-focused service and requires fluency in French and English. Candidates should have 4-6 years of relevant experience and a related degree. Responsibilities include identifying sales opportunities, participating in client visits, and evaluating loan repayment capabilities. Competitive salary and benefits offered.

Benefits

Health insurance

Tuition reimbursement

Retirement plans

Qualifications

• Typically 4-6 years of relevant experience.
• Technical proficiency through education and experience.
• Fluent in French and English.

Responsibilities

• Identify new sales opportunities through analysis of prospects.
• Participate in on-site client visits with internal stakeholders.
• Maintain high standards of customer service.
• Evaluate clients’ ability to repay loans including structuring considerations.
• Grant loans within specified limits.

Skills

Analytical and problem-solving abilities

Excellent verbal and written communication

Strong collaboration and teamwork skills

Influence skills

Data-driven decision-making

Education

Related post-secondary degree or equivalent

Job description

Application Deadline : 08 / 14 / 2025

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

Job Family Group : Commercial Sales & Service

This role involves facilitating decision-making and analysis of credit information to support lending decisions for the bank. The candidate will maintain a client-focused environment to meet and exceed customer expectations, making credit decisions in line with bank policies and sound credit principles.

1. Identify new sales opportunities through analysis of prospects and existing clients.
2. Participate in on-site client visits with internal stakeholders.
3. Maintain high standards of customer service.
4. Recommend credit in accordance with sound principles.
5. Exercise discretionary credit limits and support strategic initiatives.
6. Evaluate clients’ ability to repay loans, including structuring and collateral considerations.
7. Monitor trends indicating potential credit deterioration.
8. Perform periodic credit reviews as needed.
9. Understand borrower types in the high net worth market.
10. Grant loans within specified limits, understanding credit scoring and risk management.
11. Monitor covenants and ensure compliance.
12. Provide financial analysis and risk assessments.
13. Partner with stakeholders for accurate client information.
14. Develop credit information for lending decisions.
15. Assist in negotiations and prepare credit summaries.
16. Adhere to credit policies to minimize risk exposure.
17. Contribute to operational planning and build stakeholder relationships.
18. Work independently on complex tasks, with broader responsibilities as needed.

Qualifications :

• Typically 4-6 years of relevant experience and a related post-secondary degree or equivalent.
• Technical proficiency through education and experience.
• Excellent verbal and written communication.
• Strong collaboration and teamwork skills.
• Analytical and problem-solving abilities.
• Influence skills and data-driven decision-making.

Fluent in French and English, supporting clients and team members in Quebec.

Salary : 56,000.00 - $103,500.00

Pay Type : Salaried

Salaries vary based on location, skills, experience, and may include bonuses or commissions. Benefits include health insurance, tuition reimbursement, and retirement plans. More details at BMO Total Rewards.

About Us

At BMO, our Purpose is to "Boldly Grow the Good in business and life," creating positive change for our customers, communities, and employees. We foster a supportive environment for growth, impact, and innovation.

Learn more at BMO Careers.

BMO is committed to diversity and accessibility. Accommodations are available upon request during the recruitment process.

Note to Recruiters : BMO does not accept unsolicited resumes without a formal agency agreement. Resumes sent unsolicited will be considered property of BMO and no fee will be paid unless a formal agreement exists.