Credit Analyst Intern: Portfolio Risk & Credit Insights

BMO U.S.; Green Bay (WI); On-site; USD 50,000 - 100,000; Full time

Benefits offered by this job

Health insurance

Tuition reimbursement

Accident insurance

Life insurance

Retirement savings plans

Job summary

The BMO U.S. internship program in Green Bay provides hands-on experience in credit analysis, portfolio monitoring, and client engagement.

You will support financial analysis, prepare credit summaries, and assist in proposals to expand client partnerships. You'll work with Relationship Managers and partners on loan structuring, risk assessment, and industry trends, while following risk policies and complying with regulations.

Qualifications

• Relevant experience in credit or lending instruments or financial operations in a corporate or banking environment is preferred.
• If a Credit Qualifiable job, Credit Qualifications and associated credit knowledge and skills according to the credit portfolio requirements and qualification standards.
• Specialized knowledge.

Responsibilities

• Performs financial analysis and calculations and makes recommendations to Manager.
• Supports portfolio monitoring and compliance, analyzes 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.
• Broader work or accountabilities may be assigned as needed.
• Take measured risks while protecting the bank by applying our Risk Management Framework in the execution of your role, in line with our Risk Culture and within our approved Risk Appetite, making sound and risk informed decisions that align to business strategy, protect assets, and adhere to applicable policy documents (Frameworks, Policies, Standards, Procedures and Supporting documents), laws and regulations.

Skills

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

Job description

The BMO U.S. internship program in Green Bay provides hands-on experience in credit analysis, portfolio monitoring, and client engagement.

You will support financial analysis, prepare credit summaries, and assist in proposals to expand client partnerships. You'll work with Relationship Managers and partners on loan structuring, risk assessment, and industry trends, while following risk policies and complying with regulations.