Dealership Finance Analyst - Commercial Credit

BMO; San Rafael (CA); On-site; USD 55,000 - 110,000; Full time

Benefits offered by this job

Health insurance

Tuition reimbursement

Accident and life insurance

Retirement savings plans

Job summary

BMO Financial Group is seeking a Commercial Financial Analyst to manage a $500M+ credit portfolio in the Auto Dealership financing segment. The role involves financial statement analysis, underwriting support, and ongoing portfolio management for 10–15 clients.

Responsibilities include using risk/return models, ensuring covenant compliance, and advising on lending decisions in line with policy and risk standards. Strong Excel proficiency required.

Qualifications

• Bachelor’s degree in Accounting, Finance, Economics, or Business Administration.
• Completion of a Commercial Credit Underwriting Program.
• Minimum 2 to 3 years of relevant Commercial Credit Underwriting experience within a commercial banking environment.

Responsibilities

• Perform Income Statement, Balance Sheet, and Cash Flow analysis with cash flow and debt service coverage insights.
• Utilize the bank’s risk models to assess borrower default and return on capital.
• Track monthly financial statements, covenant compliance, and borrowing base reports; conduct annual reviews.

Skills

Financial Analysis

Credit Underwriting

Education

Bachelor’s degree in Accounting, Finance, Economics, or Business Administration

MBA in Accounting, Finance, Economics, or related

Tools

Microsoft Excel

Job description

BMO Financial Group is seeking a Commercial Financial Analyst to manage a $500M+ credit portfolio in the Auto Dealership financing segment. The role involves financial statement analysis, underwriting support, and ongoing portfolio management for 10–15 clients.

Responsibilities include using risk/return models, ensuring covenant compliance, and advising on lending decisions in line with policy and risk standards. Strong Excel proficiency required.