Commercial Credit Analytics Intern

Bank of Montreal; United States; On-site; USD 50,000 - 100,000; Full time

Benefits offered by this job

Health insurance

Tuition reimbursement

Accident and life insurance

Retirement savings plans

Job summary

Bank of Montreal (BMO) in the United States is seeking a Commercial Banking internship candidate to analyze credit information, support lending decisions, and assist in structuring loans for a portfolio of clients. The role emphasizes risk assessment, client service, and collaboration with Relationship Managers to drive growth.

The program requires availability for the full internship term and offers exposure to credit risk, portfolio monitoring, and presentations to capture new business

Qualifications

• Relevant experience in credit or lending instruments or financial operations in a corporate or banking environment is preferred.
• Credit qualifications and associated credit knowledge and skills according to the credit portfolio requirements and qualification standards.
• Foundational level of proficiency: Financial Analysis, Loan Structuring, Data Analysis Tools, Regulatory Compliance, Portfolio Management, Credit Risk Assessment, Banking Operations, Microsoft Office, Problem Solving, Collaboration, Detail-Oriented, Analytical Thinking

Responsibilities

• 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 and makes recommendations to Manager.
• Supports portfolio monitoring and compliance, analyses metrics, and assesses industry trends to spot risks and opportunities.
• Prepares detailed credit summaries to assess creditworthiness and support decision making.
• Provides content and support for proposals and presentations to capture new business and expand client partnerships.
• 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.
• Completes complex & diverse tasks within given rules/limits and may include handling escalations from other employees.
• Analyzes issues and determines next steps.

Skills

Credit Analysis

Financial Analysis

Loan Structuring

Data Analysis Tools

Regulatory Compliance

Portfolio Management

Credit Risk Assessment

Banking Operations

Microsoft Office

Problem Solving

Collaboration

Detail-Oriented

Analytical Thinking

Tools

Microsoft Office

Job description

Bank of Montreal (BMO) in the United States is seeking a Commercial Banking internship candidate to analyze credit information, support lending decisions, and assist in structuring loans for a portfolio of clients. The role emphasizes risk assessment, client service, and collaboration with Relationship Managers to drive growth.

The program requires availability for the full internship term and offers exposure to credit risk, portfolio monitoring, and presentations to capture new business