Credit Analyst Internship: Build Credit & Risk Insights

Bank of Montreal; Seattle (WA); On-site; USD 50,000 - 100,000; Part time

Benefits offered by this job

Health insurance

Tuition reimbursement

Accident and life insurance

Retirement savings plans

Job summary

Bank of Montreal in Seattle offers a Commercial Sales & Service Internship. The program runs from June 7, 2027 to August 13, 2027, with onboarding and cohort experiences required for the full term.

Interns will analyze credit information, support lending decisions, and build client relationships under supervision. Responsibilities include financial analysis, risk assessment, preparing credit summaries, and presenting proposals to capture new business while ensuring compliance with bank policies.

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.
• 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

• Analyze credit information to support lending decisions and processes for new and existing Commercial banking loans and credit solutions in an assigned portfolio of clients.
• Make credit decisions and recommendations in compliance with bank policies and procedures while maintaining an exceptional client service environment.
• Perform financial analysis and calculations and make recommendations to Manager.
• Support portfolio monitoring and compliance, analyses metrics, and assess industry trends to spot risks and opportunities.
• Prepare detailed credit summaries to assess creditworthiness and support decision making.
• Provide content and support for proposals and presentations to capture new business and expand client partnerships.
• Build and maintain client relationships to ensure long-term financial performance in collaboration with Relationship Manager and business partners.
• Structure and support new, renewal and extension loans aligned with client needs and bank & risk policies.
• Conduct financial analysis and risk assessments of clients’ credit information, for an assigned portfolio, to provide insights and make informed decisions.
• Monitor the portfolio performance for assigned portfolio of Commercial Banking clients on an ongoing basis, taking corrective action when required.
• Minimize BMO’s risk exposure by adhering to credit policies, regulatory standards, and operational guidelines.
• Serve 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

Regulatory Compliance

Portfolio Management

Credit Risk

Banking Operations

Microsoft Office

Problem Solving

Collaboration

Detail-Oriented

Analytical Thinking

Tools

Data Analysis Tools

Microsoft Office

Job description

Bank of Montreal in Seattle offers a Commercial Sales & Service Internship. The program runs from June 7, 2027 to August 13, 2027, with onboarding and cohort experiences required for the full term.

Interns will analyze credit information, support lending decisions, and build client relationships under supervision. Responsibilities include financial analysis, risk assessment, preparing credit summaries, and presenting proposals to capture new business while ensuring compliance with bank policies.