Credit Analyst ofertas em Canadá

Application Deadline: 12/21/2025

Address: 33 Dundas Street West

Job Family Group: Audit, Risk & Compliance

If you’re looking for your next dream job, consider this one in BMO’s Enterprise Risk Group where every colleague helps protect and grow the bank by providing independent review and oversight of enterprise-wide risks, working together to maintain a risk management framework and fostering a strong risk culture. #ERPMDreamJobs

Join a high-impact team at the forefront of strategic credit decisioning—where your leadership will shape the future of credit risk across BMO’s retail and private wealth portfolios. As a Senior Manager in Canadian Credit Strategy, you’ll play a pivotal role in designing and executing data-driven strategies that elevate portfolio performance, optimize Return on Equity (ROE), and influence enterprise-wide decision-making. This is a rare opportunity to lead transformative initiatives that balance growth, risk, and profitability—while aligning with BMO’s enterprise strategic priorities.

At BMO, we’re more than a bank—we’re a purpose-driven organization committed to Boldly Grow the Good in business and life. As one of North America’s top ten banks, we foster an inclusive, high-performing culture built on integrity, empathy, and innovation. Our Employee Value Proposition centers on personalized career development, competitive rewards, and holistic well-being—mental, physical, social, and financial. We empower our people to shape their future through continuous learning, flexible work arrangements, and vibrant Employee Resource Groups.

• Design and lead end-to-end credit strategies for high-value portfolios, driving sustainable growth and risk-adjusted returns.
• Monitor performance and emerging risks, proactively recommending mitigation actions to enhance portfolio quality and resilience.
• Champion initiatives that improve return on equity (ROE)
• Lead cross-functional projects from concept to execution, ensuring timely delivery, stakeholder alignment, and measurable business impact.
• Provide thought leadership and strategic insights to senior executives; represent Credit Strategy in governance forums, regulatory reviews, and audits.
• Conduct/Lead advanced analytics and deep-dive portfolio assessments to uncover trends, inform strategy, and support agile decision-making.
• Stay ahead of macroeconomic, competitive, and regulatory developments to anticipate risks and opportunities.
• Champion industry leading innovation and creativity to drive competitive advantage and business growth.
• Inspire and mentor colleagues, fostering a culture of innovation, accountability, and continuous development.
• Build strong partnerships across credit, finance, legal, operations, and product teams to ensure cohesive strategy execution.

• Graduate degree in Economics, Business Management, Engineering, Data Science, Mathematics, Finance or a related field; advanced degree preferred.
• 3-5 years of progressive experience in credit risk management, ideally within unsecured lending or Private Banking in the Canadian Banking industry
• Deep expertise in credit risk management, decision strategy development, and governance frameworks.
• Strong understanding of ROE drivers and experience implementing strategies to enhance financial performance.
• Proven track record of leading strategic initiatives and delivering measurable outcomes.
• Exceptional communication skills with the ability to influence senior stakeholders and simplify complex analytics.
• Advanced proficiency in data science and AI/ML tools (Python, PySpark, SageMaker, R, SAS, SQL).
• Demonstrated ability to thrive in a fast-paced, dynamic environment with a high degree of autonomy.

• A high-impact leadership role shaping the future of credit strategy for a critical business segment.
• Influence on enterprise-level decisions and portfolio outcomes.
• A dynamic, inclusive culture that values innovation, integrity, and professional growth.
• Opportunities to lead strategic projects and drive ROE-enhancing initiatives.
• A collaborative environment with access to senior leadership and cross-functional teams.

$86,000.00 - $160,000.00

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

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.

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.