Commercial Banking Associate

Bank N.A.; Miami (FL); Sur place; USD 65 000 - 140 000; Plein temps

Avantages offerts par ce poste

health insurance

tuition reimbursement

accident and life insurance

retirement savings plans

Résumé du poste

Bank N.A. in Miami is seeking a Commercial Credit Analyst to analyze credit information and support lending decisions for a diverse portfolio of clients.

You will prepare credit summaries, assess risk, model repayment capacity, structure loans, and collaborate with Relationship Managers to grow client relationships. The role requires 3–4 years of experience and a Bachelor's degree.

Qualifications

• Bachelor's degree required; business/finance/accounting preferred.
• 3–4 years of credit or lending experience in a corporate banking environment.
• Technical proficiency with financial analysis and modeling.

Responsabilités

• Analyze credit information to support lending decisions and processes for loans.
• Prepare detailed credit summaries and assess client risk within portfolios.
• Structure loan terms and collateral to align with risk policies.
• Develop proposals to capture new business and expand client relationships.
• Monitor portfolio performance and ensure regulatory compliance.

Connaissances

Credit analysis

Financial analysis

Risk assessment

Portfolio management

Formation

Bachelor's degree in Business Administration, Finance or Accounting

Outils

Financial models

Analytical tools

Description du poste

Application Deadline:
11/07/2026

Address:
2915 Biscayne Blvd

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, analyzes financial performance and risk profiles of clients within the portfolio.

Utilizes financial models and analytical tools to assess client repayment capacity and recommend appropriate loan structures and collateral.

Supports credit-granting decisions by making recommendations to manager.

Supports portfolio monitoring and compliance, within the portfolio to identify deteriorating credit conditions and ensure compliance.

Analyzes metrics and assesses industry trends to spot risks and opportunities.

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.

Develops proposals to capture new business and expand client relationships.

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 is primarily on business/group within BMO; may have broader, enterprise-wide focus.

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

Works independently on a range of complex tasks, which may include unique situations.

Broader work or accountabilities may be assigned as needed.

Take measured risks while protecting the bank by applying our Risk Management Framework in the execution of your role, in line with our Risk Culture and within our approved Risk Appetite, making sound and risk informed decisions that align to business strategy, protect assets, and adhere to applicable policy documents (Frameworks, Policies, Standards, Procedures and Supporting documents), laws and regulations.

Qualifications:

• Preferred 3 - 4 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.
• Technical proficiency gained through education and/or business experience.

Salary :

$65,000.00 - $140,000.00

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.

• health insurance
• tuition reimbursement
• accident and life insurance
• 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 com