Commercial Finance Analyst — Auto Dealership Lending

BMO; Chicago (IL); 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 is seeking a Commercial Financial Analyst to manage a 10–15 client portfolio in the Dealership Finance – Auto Industry segment, with total exposure over $500 million. You will analyze financials, support lending decisions, and maintain strong client service while adhering to risk policies.

The role covers underwriting support, portfolio management, and ongoing covenant testing, with salary guidance and a comprehensive benefits package. This position is salaried and located in Chicago, IL.

Qualifications

• Bachelor’s degree in Accounting, Finance, Economics, or Business Administration.
• Completion of a Commercial Credit Underwriting Program.
• Minimum 2 to 3 years of relevant Commercial Credit Underwriting experience within a commercial banking environment.

Responsibilities

• Perform financial analysis of income statements, balance sheets, and cash flows.
• Assess borrower risk using the bank’s models for default and return on allocated capital.
• Monitor portfolio performance with monthly statements and covenant tests; conduct annual reviews.
• Collaborate with the deal team to underwrite new opportunities and support renewals and amendments.
• Adhere to credit policies and regulatory standards to minimize risk exposure.

Skills

Underwriting experience

Financial analysis

Risk assessment

Education

Bachelor’s degree in Accounting, Finance, Economics, or Business Administration

MBA in Accounting, Finance, Economics, Business Administration, Financial Analysis, or Commercial Banking

Tools

Microsoft Excel

Job description

BMO is seeking a Commercial Financial Analyst to manage a 10–15 client portfolio in the Dealership Finance – Auto Industry segment, with total exposure over $500 million. You will analyze financials, support lending decisions, and maintain strong client service while adhering to risk policies.

The role covers underwriting support, portfolio management, and ongoing covenant testing, with salary guidance and a comprehensive benefits package. This position is salaried and located in Chicago, IL.