Credit Analyst Internship - Phoenix, AZ (Summer 2027)

BMO U.S.; Phoenix (AZ); 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

BMO U.S. invites qualified students for a summer internship in Phoenix. The program runs from June 7, 2027 to August 13, 2027, with onboarding activities and a cohort experience, and candidates are expected to be available for the full term.

You will perform financial analysis, support portfolio monitoring, prepare credit summaries, and assist in proposals to grow client relationships. The role emphasizes regulatory compliance, risk assessment, and collaboration with Relationship Managers to

Qualifications

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

Responsibilities

• Performs financial analysis and recommendations to Manager.
• Supports portfolio monitoring, analyzes metrics and spots risks and opportunities.
• Prepares detailed credit summaries to assess creditworthiness and support decisions.
• Provides content and support for proposals and presentations to capture new business.
• Builds and maintains client relationships with Relationship Manager and business partners.
• Structures and supports new, renewal and extension loans aligned with client needs and policies.
• Analyzes issues and determines next steps.
• Monitors portfolio performance for Commercial Banking clients and takes corrective action when required.
• Minimizes risk exposure by adhering to credit policies and regulatory standards.

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

Internship Start Date: The internship program begins on June 7, 2027, and concludes on August 13, 2027. Due to the structured nature of the program, onboarding activities, and cohort experience, candidates are expected to be available for the full internship term. Availability for the entire program duration is required to successfully participate in the internship.

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.

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

Salary

$50,000.00 - $100,000.00

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.

Benefits

• Health insurance
• Tuition reimbursement
• Accident insurance
• Life insurance
• Retirement savings plans

Pay Type

Salaried

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.