Commercial Credit Analyst/Associate

BMO U.S.; Tampa (FL); On-site; USD 65,000 - 140,000; Full time

Benefits offered by this job

Health insurance

Tuition reimbursement

Accident and life insurance

Retirement savings plan

Job summary

BMO Financial Group in the Southeast region, with primary focus on Florida, seeks a Commercial Credit Analyst/Associate to support Relationship Managers and Portfolio Managers in underwriting and credit decisions. You will prepare underwriting packages, perform financial analyses, and assist in credit discussions for new and existing clients in the Southeast region.

Responsibilities include evaluating financial statements, monitoring covenant compliance, and supporting ongoing credit monitoring.

Qualifications

• Bachelor’s degree required; Business Administration, Finance and Accounting preferred.
• 3–4 years of credit or lending experience or related financial operations.
• Strong analytical skills and foundational credit knowledge.

Responsibilities

• Perform financial analysis and assess client creditworthiness; prepare detailed credit summaries.
• Analyze financial statements, covenant compliance, and risk profiles across the portfolio.
• Support credit‑granting decisions and loan structuring in line with bank policies.
• Monitor portfolio performance and ensure compliance with regulatory standards.
• Develop proposals to capture new business and expand client relationships.

Skills

Financial analysis

Underwriting

Credit knowledge

Portfolio management

Education

Bachelor's degree

Tools

Excel

Financial modeling

Job description

Application Deadline: 12/26/2026 Address: 501 E Kennedy Boulevard

Job Family Group: Commercial Sales & Service

Commercial Credit Analyst/Associate-Southeast Region

The Analyst/Associate will support the Diversified Industries team in the Southeast region, with a primary focus on Florida. This individual will serve as an integral member of the Portfolio Management team, assisting Relationship Managers with both new business opportunities and existing client credit requests across the region. Working closely with Portfolio Managers, the Analyst/Associate will prepare underwriting packages, conduct financial analysis, and participate in credit discussions with Relationship Managers, management teams, and credit partners. The role also involves evaluating financial statements, analyzing covenant compliance, and supporting the ongoing credit monitoring of new and existing clients. The successful candidate will leverage strong analytical skills and foundational credit knowledge to contribute to sound credit decisions and portfolio management activities.

Duties include:

• 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.
• Analyses 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.
• Exercises judgment to identify, diagnose, and solve problems within given rules.
• Works independently on a range of complex tasks, which may include unique situations.

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. 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 http://jobs.bmo.com/us/en

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.

BMO is a leading bank driven by a single purpose: to Boldly Grow the Good in business and life.

Everywhere we do business, we’re focused on building, investing and transforming how we work to drive performance and continue growing the good.

Who we are

We’re proud to be fueling growth and expanding possibilities for individuals, families and businesses. More than 12 million customers count on us for personal and commercial banking, wealth management and investment services.

As the 8th largest bank in North America by assets, we provide personal and commercial banking, wealth management and investment services to more than 12 million customers.

In Canada, the United States and across the globe, we’ll continue to build, invest and transform to drive performance that serves the good that grows.