Credit Analyst

BMO; United Kingdom; On-site; CAD 70,000 - 150,000; Full time

Benefits offered by this job

Health insurance

Tuition reimbursement

Retirement plans

Performance-based incentives

Job summary

BMO is seeking a Credit Analyst in Canada to analyze commercial credit, assess risk, and support lending decisions for a diversified client portfolio. You will work with Relationship Managers to tailor financing solutions and ensure policy compliance, while contributing to portfolio growth and risk management.

The role emphasizes strong financial analysis, client relations, and collaboration in a fast-paced banking environment in Canada.

Qualifications

• Bachelor's degree in Business Administration, Finance, Accounting, or Economics.
• Strong understanding of commercial lending and credit risk.
• Experience evaluating cash flow, debt service, and loan structures.

Responsibilities

• Analyze financial statements, cash flow, and industry trends to assess creditworthiness.
• Prepare credit applications and recommendations for lending requests.
• Evaluate repayment capacity and collateral adequacy.
• Monitor assigned portfolio and identify risks and opportunities.
• Collaborate with Relationship Managers to structure financing solutions.
• Support client meetings and relationship management activities.
• Identify opportunities to deepen client relationships.
• Contribute to business development and cross-functional partnerships.
• Maintain portfolio data and support data-driven decisions.

Skills

Commercial credit

Lending

Financial analysis

Credit risk

Cash flow analysis

Client relationship

Microsoft Office

Education

Bachelor's degree in Business Administration

Tools

Financial analysis tools

Job description

Application Deadline: 12/04/2026

Address: 100 New Park Place

Job Family Group: Commercial Sales & Service Credit Analyst, Diversified Industries

Shape the Future of Commercial Banking

At BMO, we're driven by a shared purpose: Boldly Grow the Good in business and life.

What You’ll Do

• Analyze financial statements, cash flow, industry trends, and business performance to assess creditworthiness and support lending decisions.
• Prepare comprehensive credit applications and recommendations for new, renewal, and extension financing requests.
• Evaluate repayment capacity, collateral adequacy, and risk factors using financial models and analytical tools.
• Monitor an assigned portfolio of commercial clients, identifying emerging risks and opportunities while ensuring compliance with Bank policies and regulatory requirements.
• Partner closely with Relationship Managers to structure customized financing solutions that meet client needs while aligning with BMO's risk appetite.
• Support client meetings, portfolio reviews, and ongoing relationship management activities.
• Identify opportunities to deepen client relationships through additional banking solutions and cross-functional partnerships.
• Contribute to business development initiatives aimed at growing market share and expanding client relationships.
• Maintain accurate portfolio information and leverage data-driven insights to support decision-making and portfolio performance.
• Apply sound judgment and risk management practices to protect the Bank while delivering exceptional client experiences.

What You Bring

• 3-4 years of experience in commercial credit, lending, financial analysis, corporate banking, or a related financial services environment.
• Bachelor's degree in Business Administration, Finance, Accounting, Economics, or a related field.
• Strong understanding of commercial lending principles, credit risk assessment, and financial statement analysis.
• Experience evaluating business performance, cash flow, debt servicing capacity, and loan structures.
• Excellent analytical and problem-solving skills with the ability to assess complex financial information and provide actionable recommendations.
• Strong communication and relationship-building abilities with a client-focused mindset.
• Ability to manage multiple priorities in a fast-paced, team-oriented environment.
• Proficiency with Microsoft Office applications and financial analysis tools.

Preferred Competencies

• Advanced Skills
• Financial Analysis
• Credit Risk Assessment
• Data Analytics & Reporting
• Core Strengths
• Portfolio Management
• Loan Structuring
• Regulatory Compliance
• Analytical Thinking
• Collaboration
• Attention to Detail
• Banking Operations
• Problem Solving

Why Join BMO?

At BMO, you'll have the opportunity to work alongside experienced commercial banking professionals, gain exposure to a diverse client portfolio, and build a rewarding career in one of Canada's leading financial institutions. We invest in our people through ongoing development, coaching, and opportunities for advancement, empowering you to make a meaningful impact for our clients, communities, and colleagues every day.

Salary: $70,000.00 - $150,000.00

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.

Benefits

• health insurance
• tuition reimbursement
• accident and life insurance
• retirement savings plans
• performance-based incentives, discretionary bonuses, as well as other perks and rewards

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’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.