Portfolio Analyst

Jobtailor; Halifax; On-site; CAD 65,000 - 90,000; Full time

Job summary

Bank of Montreal in Halifax is seeking a Credit Analyst to analyze credit information, support lending decisions, and prepare detailed summaries. You will perform financial analysis, assess creditworthiness, and help structure loans for a diverse portfolio.

The role involves monitoring portfolio performance, ensuring regulatory compliance, and collaborating with the Relationship Manager to grow client relationships and cross-sell solutions.

Qualifications

• Bachelor’s degree required; Business Administration, Finance and Accounting preferred.
• 1–3 years of credit or lending experience in corporate/banking environments.
• Foundational proficiency in problem solving, collaboration, details, customer service, and analytical thinking.
• Proficiency in financial analysis, loan structuring, data analysis, regulatory compliance, portfolio management, and Microsoft Office.

Responsibilities

• Analyze credit information to support lending decisions and process loans.
• Perform financial analysis and calculations to assess creditworthiness and prepare summaries.
• Support credit-granting decisions and loan term negotiations.
• Monitor portfolio performance and compliance with policies and regulations.
• Develop proposals to capture new business and expand client relationships.
• Build and maintain client relationships with Relationship Manager and partners.

Skills

Financial Analysis

Credit Risk Assessment

Loan Structuring

Regulatory Compliance

Portfolio Management

Data Analysis

Customer Service

Problem Solving

Collaboration

Analytical Thinking

Education

Bachelor’s degree in Business Administration/Finance/Accounting

Tools

Microsoft Office

Data Analysis Tools

BMO Systems

Job description

• Analyze credit information to support lending decisions and process new and existing Commercial Banking loans and credit solutions


• Perform financial analysis and calculations, assess client creditworthiness, and prepare detailed credit summaries


• Analyze clients’ financial performance and risk profiles within the assigned portfolio


• Support credit-granting decisions through recommendations to the manager


• Support negotiation of loan terms and conditions and structure loans according to client requirements, risk appetite, and bank policies


• Monitor portfolio compliance and performance, analyze metrics, and assess industry trends for risks and opportunities


• Develop proposals to capture new business and expand client relationships


• Monitor loan performance and the accuracy and integrity of loan documentation


• Build and maintain client relationships in collaboration with the Relationship Manager and business partners


• Structure and support new, renewal, and extension loans


• Take corrective action when required and minimize BMO’s risk exposure by adhering to policies, regulations, and operational guidelines


• Serve as a point of contact for service requests and elevate issues when needed


• Support initiatives to enhance service quality, acquire new business, and expand client relationships


• Identify revenue, cross-selling, and share-of-wallet opportunities


• Leverage analysis tools to grow a portfolio exceeding ROE thresholds and evaluate client returns


• Manage timely and accurate data entry into BMO systems


• Think creatively, exercise judgment, and solve problems within given rules


• Work mostly independently; broader work or accountabilities may be assigned as needed


• Apply BMO’s Risk Management Framework and make sound, risk-informed decisions aligned with business strategy and applicable policies, laws, and regulations

Requirements

• Preferred 1–3 years of relevant experience in credit or lending instruments or financial operations in a corporate or banking environment


• Credit Qualifications and associated credit knowledge and skills according to credit portfolio requirements and qualification standards, if a Credit Qualifiable job


• Bachelor’s degree required; Business Administration, Finance and Accounting preferred


• Any other related discipline or commensurate work experience considered


• Specialized knowledge from education and/or business experience


• Foundational proficiency in problem solving, collaboration, detail-oriented work, customer service, and analytical thinking


• Intermediate proficiency in financial analysis, loan structuring, data analysis tools, regulatory compliance, portfolio management, credit risk assessment, banking operations, and Microsoft Office

Core Competencies

Demonstrates expertise in financial analysis, credit risk assessment, and loan structuring while effectively managing client relationships and ensuring compliance with banking regulations. Proficient in leveraging analytical tools to support lending decisions and enhance portfolio performance.

Highest-signal resume keywords

• Financial Analysis


• Credit Risk Assessment


• Loan Structuring


• Regulatory Compliance


• Portfolio Management

Hard Skills

• Credit Qualifications


• Financial Analysis


• Loan Structuring


• Data Analysis


• Credit Risk Assessment


• Banking Operations
  
• Portfolio Management


• Credit Solutions


• Financial Calculations


• Credit Summaries

Soft Skills

• Problem Solving


• Collaboration


• Detail-Oriented


• Customer Service


• Analytical Thinking

Industry Keywords

• Commercial Banking


• Lending Decisions


• Client Relationships


• Risk Management Framework


• Compliance

Tools & Technologies

• Microsoft Office


• Analysis Tools


• BMO Systems