Commercial Credit Analyst – Southeast Portfolio

BMO Harris Bank; Tampa (FL); On-site; USD 84,000 - 140,000; Full time

Benefits offered by this job

Health insurance

Tuition reimbursement

Accident and life insurance

Retirement savings plans

Job summary

BMO Harris Bank in the United States is seeking a Commercial Credit Analyst/Associate to support the Diversified Industries team in the Southeast region, focusing on Florida. You will prepare underwriting packages, conduct financial analysis, and participate in credit discussions with Relationship Managers and credit partners.

The role involves evaluating financial statements, covenant compliance, and ongoing credit monitoring to ensure sound credit decisions and portfolio performance.

Qualifications

• 3–4 years of credit or lending experience in a corporate or banking environment.
• Bachelor's degree in business/finance; other disciplines considered with commensurate experience.
• Technical proficiency gained through education and/or business experience.

Responsibilities

• Performs financial analysis and calculations, assesses client creditworthiness, prepares detailed credit summaries.
• Utilizes financial models and analytical tools to assess client repayment capacity and recommend loan structures.
• Supports credit-granting decisions by making recommendations to manager.
• Supports portfolio monitoring and compliance to identify deteriorating credit conditions and ensure compliance.
• Develops proposals to capture new business and expand client relationships.
• Structures and supports new, renewal and extension loans aligned with client needs and bank risk policies.

Skills

Credit analysis

Financial analysis

Financial modeling

Education

Bachelor's degree in Business/Finance/Accounting

Job description

BMO Harris Bank in the United States is seeking a Commercial Credit Analyst/Associate to support the Diversified Industries team in the Southeast region, focusing on Florida. You will prepare underwriting packages, conduct financial analysis, and participate in credit discussions with Relationship Managers and credit partners.

The role involves evaluating financial statements, covenant compliance, and ongoing credit monitoring to ensure sound credit decisions and portfolio performance.