Portfolio Analyst

BMO; Halifax; On-site; CAD 40,000 - 85,000; Full time

Benefits offered by this job

Health insurance

Tuition reimbursement

Life insurance

Retirement savings plan

Job summary

BMO is seeking a results-driven Credit Analyst to evaluate credit information for commercial lending, support loan structuring, and maintain strong client relationships. You will analyze financial data, monitor portfolios, and help ensure compliance with bank policies while delivering excellent service.

The role emphasizes independent work, attention to detail, and collaboration with Relationship Managers and business partners to identify growth opportunities and mitigate risk in a dynamic

Qualifications

• Bachelor's degree required; Business Administration, Finance and Accounting preferred.
• Specialized knowledge from education and/or business experience.

Responsibilities

• Performs financial analysis and calculations, assesses client creditworthiness, prepares detailed credit summaries.
• Supports credit-granting decisions by making recommendations to manager.
• Monitors portfolio performance for assigned Commercial Banking clients and ensures accuracy of loan documentation.

Skills

Credit analysis

Financial analysis

Client relationships

Problem solving

Collaboration

Detail-oriented

Analytical thinking

Customer service

Education

Bachelor's degree in Business/Finance/Accounting

Tools

Microsoft Office

Job description

Application Deadline:

09/24/2026

Address:

1675 Grafton Street

Job Family Group:

Commercial Sales & Service

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.

• Performs financial analysis and calculations, assesses client creditworthiness, prepares detailed credit summaries, analyses financial performance and risk profiles of clients within the portfolio.

• Supports credit-granting decisions by making recommendations to manager

• Supports the negotiation of loan terms and conditions and the structuring of loans that align with client requirements and ensure compliance with the banks risk appetite and policies.

• Supports portfolio monitoring and compliance, analyses metrics, and assesses industry trends to spot risks and opportunities.

• Develops proposals to capture new business and expand client relationships.

• Monitors loan performance, accuracy and integrity of loan documentation and addresses credit-related issues while ensuring the accuracy and integrity of loan documentation.

• 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 may be on a business/group.

• Thinks creatively and proposes new solutions.

• Exercises judgment to identify, diagnose, and solve problems within given rules.

• Works mostly independently.

• Broader work or accountabilities may be assigned as needed.

• Qualifications:

• Preferred 1 – 3 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.

• Specialized knowledge from education and/or business experience.

Foundational level of proficiency:

• Problem Solving
• Collaboration
• Detail-Oriented
• Customer Service
• Analytical Thinking

Intermediate level of proficiency:

• Financial Analysis
• Loan Structuring
• Data analysis tools
• Regulatory Compliance
• Portfolio Management
• Credit Risk Assessment
• Banking Operations
• Microsoft OfficE

Salary** : **

$40,000.00 - $85,000.00

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.