Commercial Portfolio Analyst

BMO U.S.; Town of Brookfield (WI); On-site; USD 55,000 - 110,000; Full time

Benefits offered by this job

Health insurance

Tuition reimbursement

Accident insurance

Retirement savings plans

Job summary

BMO Financial Group is seeking a role supporting commercial lending teams with covenant compliance, collateral margining, and portfolio monitoring. You will track financial statements, assess risk, and help ensure loan agreement adherence across a growing portfolio.

Ideal candidates have 2–3 years of credit experience, a related bachelor’s degree, and the ability to apply accounting principles to underwriting. The role offers salaried compensation and comprehensive benefits.

Qualifications

• 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.
• Specialized knowledge from education and/or business experience.

Responsibilities

• Adhere to credit policies, regulatory standards, and guidelines to manage risk exposure.
• Apply accounting principles and financial statements to support credit analysis and underwriting.
• Understand commercial loan agreements, including covenants, collateral, and amendments.
• Analyze financial information, tax returns, credit bureau reports, and related docs for credit decisions.
• Independently perform covenant compliance and collateral margining calculations for assigned portfolio.
• Make policy-compliant credit decisions using established principles.
• Perform financial calculations accurately with limited supervision.
• Identify opportunities for process improvement and propose practical solutions.
• Take on additional responsibilities to support team and business goals.

Skills

Problem Solving

Collaboration

Detail-Oriented

Customer Service

Data-driven decision making

Financial Analysis

Data analysis tools

Portfolio Management

Credit Risk Assessment

Education

Bachelor's degree in Business, Finance or Accounting

Tools

Microsoft Office

Job description

The role supports commercial lending teams through ongoing credit administration, with a primary focus on financial covenant compliance and related portfolio monitoring activities. Responsibilities include independently tracking, calculating, and assessing covenant compliance and collateral margining to identify potential credit deterioration and ensure adherence to loan agreement requirements.

• Adhere to BMO credit policies, regulatory standards, and operational guidelines to effectively manage and mitigate risk exposure.
• Apply working knowledge of accounting principles and financial statements (income statement, balance sheet, cash flow) to support credit analysis and underwriting.
• Demonstrate operational understanding of commercial loan agreements, including key provisions such as repayment terms, financial covenants, collateral, and amendment processes.
• Analyze financial information, tax returns, credit bureau reports, and related documentation to support credit decisions.
• Independently perform financial covenant compliance and collateral margining calculations for an assigned portfolio to identify potential credit deterioration and ensure loan agreement compliance.
• Make sound, policy-compliant credit decisions and recommendations using established credit-granting principles.
• Perform financial calculations accurately while working with limited supervision.
• Identify opportunities for improvement and propose practical, creative solutions to enhance processes and effectiveness.
• Assume additional or broader responsibilities as required to support team and business objectives.

Qualifications

• 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 level of proficiency

• Problem Solving
• Collaboration
• Detail-Oriented
• Customer Service
• Data-driven decision making

Intermediate level of proficiency

• Financial Analysis
• Data analysis tools
• Portfolio Management
• Credit Risk Assessment
• Microsoft Office

Salary

$55,000.00 - $110,000.00

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 https://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.