Credit Analyst Internship - Tampa, FL (Summer 2027)

Bank of Montreal; Tampa (FL); On-site; USD 50,000 - 100,000; Full time

Benefits offered by this job

Health insurance

Tuition reimbursement

Accident and life insurance

Retirement savings plan

Job summary

Bank of Montreal is seeking a Commercial Banking Credit internship candidate to analyze credit information and support lending decisions across an assigned client portfolio. You will prepare credit summaries, assess risk, and ensure compliance with bank policies while delivering strong client service in collaboration with Relationship Managers.

Responsibilities include financial analysis, structuring credit solutions, monitoring portfolio performance, and identifying opportunities to deepen

Qualifications

• Experience in credit or lending instruments or financial operations in a corporate or banking environment.
• Foundational proficiency: financial analysis, loan structuring, data analysis tools, regulatory compliance, portfolio management, credit risk assessment, MS Office.
• Strong analytical, problem solving, collaboration and detail-oriented mindset.

Responsibilities

• Analyze credit information to support lending decisions for commercial loans.
• Prepare detailed credit summaries to assess creditworthiness and support decision making.
• Support portfolio monitoring, risk assessments and regulatory compliance.
• Build client relationships and support proposals to capture new business.
• Collaborate with Relationship Manager and business partners.

Skills

Financial Analysis

Credit Risk

Regulatory Compliance

Analytical Thinking

Problem Solving

Collaboration

Detail-Oriented

Tools

Microsoft Office

Data Analysis Tools

Job description

Application Details

Application Deadline: 10/09/2026

Address: 501 E Kennedy Boulevard

Job Family Group: Commercial Sales & Service Internship

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.

Job Description

Analyzes credit information to support lending decisions and processes for new and existing Commercial banking loans and credit solutions in an assigned portfolio of clients. Makes credit decisions and recommendations in compliance with bank policies and procedures while maintaining an exceptional client service environment. Performs financial analysis and calculations and makes recommendations to Manager. Supports portfolio monitoring and compliance, analyses 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 & Compensation

• Salary: $50,000.00 - $100,000.00
• 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 will 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 http://jobs.bmo.com/us/en

Equal Opportunity Statement

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 email to [e-mail] and let us know the nature of your request and your contact information.

Company Overview

BMO is a leading bank driven by a single purpose: to Boldly Grow the Good in business and life. Everywhere we do business, we are focused on building, investing and transforming how we work to drive performance and continue growing the good. Who we are we are proud to be fueling growth and expanding possibilities for individuals, families and businesses. More than 12 million customers count on us for personal and commercial banking, wealth management and investment services. As the 8th largest bank in North America by assets, we provide personal and commercial banking, wealth management and investment services to more than 12 million customers. In Canada, the United States and across the globe, we will continue to build, invest and transform to drive performance that serves the good that grows.