Commercial Portfolio Analyst

Jobtailor; Illinois; On-site; USD 75,000 - 110,000; Full time

Job summary

BMO is seeking a credit professional to support commercial lending teams through credit administration and underwriting. You will track covenant compliance, monitor collateral margining, and apply accounting principles to aid credit decisions.

Ideal candidates have 2–3 years in credit or financial operations, a relevant bachelor’s degree, and a BMO Credit Qualification within a year. Strong problem solving and data-driven analysis are essential.

Qualifications

• Bachelor’s degree in Business Administration, Finance or Accounting.
• BMO Credit Qualification within one year of assignment.
• 2–3 years of credit, lending or financial operations experience.
• Specialized knowledge from education or business experience.
• Problem solving, collaboration, detail orientation, customer service, and data-driven decision making.

Responsibilities

• Support commercial lending teams through ongoing credit administration.
• Track, calculate, and assess financial covenant compliance.
• Monitor collateral margining and identify potential credit deterioration.
• Apply accounting principles and analyze financial statements to support credit analysis and underwriting.
• Understand and administer commercial loan agreement provisions, including repayment terms, covenants, collateral, and amendments.
• Analyze financial information, tax returns, credit bureau reports, and related documentation to support credit decisions.
• Perform covenant compliance and collateral margining calculations for an assigned portfolio.
• Make policy-compliant credit decisions and recommendations.
• Identify process improvements and propose practical solutions.
• Assume additional responsibilities to support team and business objectives.

Skills

Credit Administration

Financial Analysis

Covenant Compliance

Credit Risk Assessment

Data-Driven Decision Making

Education

Bachelor’s degree

Finance or Accounting preferred

Tools

Microsoft Office

Job description

• Support commercial lending teams through ongoing credit administration
• Track, calculate, and assess financial covenant compliance
• Monitor collateral margining and identify potential credit deterioration
• Adhere to BMO credit policies, regulatory standards, and operational guidelines
• Apply accounting principles and analyze financial statements to support credit analysis and underwriting
• Understand and administer commercial loan agreement provisions, including repayment terms, financial covenants, collateral, and amendments
• Analyze financial information, tax returns, credit bureau reports, and related documentation to support credit decisions
• Perform covenant compliance and collateral margining calculations for an assigned portfolio
• Make policy-compliant credit decisions and recommendations
• Perform financial calculations accurately with limited supervision
• Identify process improvements and propose practical solutions
• Assume additional responsibilities to support team and business objectives

Requirements

• Preferred 2–3 years of relevant experience in credit, lending or financial operations in a corporate or banking environment
• BMO Credit Qualification within one year of assignment
• Bachelor’s degree required; Business Administration, Finance and Accounting preferred
• Any other related discipline or commensurate work experience considered
• Specialized knowledge from education and/or business experience
• Foundational proficiency in problem solving, collaboration, detail orientation, customer service, and data-driven decision making
• Intermediate proficiency in financial analysis, data analysis tools, portfolio management, credit risk assessment, and Microsoft Office

Core Competencies

Demonstrates expertise in credit administration, financial analysis, and compliance with regulatory standards. Proficient in analyzing financial statements and making informed credit decisions while supporting commercial lending teams.

Highest-signal resume keywords

• Credit Administration
• Financial Analysis
• Covenant Compliance
• Credit Risk Assessment
• Microsoft Office

ATS Optimization Keywords

Hard Skills

• Financial Calculations
• Credit Analysis
• Portfolio Management
• Data Analysis
• Accounting Principles

Soft Skills

• Problem Solving
• Collaboration
• Detail Orientation
• Customer Service
• Data-Driven Decision Making

Certifications & Qualifications

• BMO Credit Qualification

Industry Keywords

• Commercial Lending
• Financial Covenants
• Collateral Margining
• Regulatory Standards
• Operational Guidelines