Commercial Analyst Development Program - Grand Rapids, MI (New Grad 2027)

BMO; Grand Rapids (MI); On-site; USD 55,000 - 110,000; Full time

Benefits offered by this job

Health insurance

Tuition reimbursement

Accident and life insurance

Retirement savings plans

Job summary

BMO Financial Group is seeking a Commercial Credit Analyst in Grand Rapids, MI to analyze credit information and support lending decisions for a portfolio of clients. You will perform financial analyses, assess creditworthiness, and help structure loans while ensuring compliance with bank policies.

The role emphasizes strong analytical skills, collaboration with Relationship Managers, and cross-functional teamwork in a dynamic commercial banking environment.

Qualifications

• Bachelor’s degree required; Business Administration, Finance and Accounting preferred.
• 1–3 years of relevant experience in credit or lending instruments or financial operations in a corporate or banking environment.
• Credit Qualifications as per portfolio requirements.

Responsibilities

• Performs financial analysis and calculations, assesses client creditworthiness, and prepares detailed credit summaries.
• Supports credit-granting decisions by making recommendations to manager.
• Supports the negotiation of loan terms and structuring of loans aligned with client needs and risk policies.
• Monitors portfolio performance and compliance with regulatory standards.
• Develops proposals to capture new business and expand client relationships.
• Builds and maintains client relationships with Relationship Manager and partners.
• Structures and supports new, renewal, and extension loans.

Skills

Financial Analysis

Loan Structuring

Data analysis tools

Regulatory Compliance

Portfolio Management

Credit Risk Assessment

Banking Operations

Microsoft Office

Problem Solving

Collaboration

Detail-Oriented

Customer Service

Analytical Thinking

Education

Bachelor's degree

Tools

Microsoft Office

Job description

Application Deadline:

10/09/2026

Address:

37 Ottawa Ave NW

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

$55,000.00 - $110,000.00

Pay Type

Salaried

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

To find out more visit us at http://jobs.bmo.com/us/en

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.

BMO is proud to be an equal employment opportunity employer. We evaluate applicants without regard to race, religion, color, national origin, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, transgender status, sexual stereotypes, age, status as a protected veteran, status as an individual with a disability, or any other legally protected characteristics. We also consider applicants with criminal histories, consistent with applicable federal, state and local law.

BMO is committed to working with and providing reasonable accommodations to individuals with disabilities. If you need a reasonable accommodation because of a disability for any part of the employment process, please send an e-mail to [e-mail] and let us know the nature of your request and your contact information.

Note to Recruiters: BMO does not accept unsolicited resumes from any source other than directly from a candidate. Any unsolicited resumes sent to BMO, directly or indirectly, will be considered BMO property. BMO will not pay a fee for any placement resulting from the receipt of an unsolicited resume. A recruiting agency must first have a valid, written and fully executed agency agreement contract for service to submit resumes.