Portfolio Support Credit Analyst

Bank of Montreal; Chicago (IL); On-site; USD 52,000 - 99,000; Full time

Job summary

A leading financial institution is seeking a Commercial Loan and Credit Analyst in Chicago to facilitate credit decisions and manage client relationships. This role requires a strong background in financial and credit analysis, alongside excellent communication skills, to meet and exceed customer expectations while adhering to internal policies. The successful candidate will be part of a team dedicated to fostering lasting client relationships and supporting efficient lending processes.

Benefits

Health insurance

Tuition reimbursement

Retirement savings plans

Qualifications

• 1-3 years of previous Commercial Loan and Credit analyst experience required.
• In-depth functional knowledge of Commercial Banking.
• Strong ability for financial and credit analysis.

Responsibilities

• Facilitates decisioning and analysis of credit information to support lending.
• Provides service to retain valuable commercial clients and improve efficiency.
• Conducts thorough analysis of client credit risk.

Skills

Financial analysis

Credit analysis

Quantitative analytics

Interpersonal skills

Problem-solving

Education

Commercial Banking knowledge

Tools

Microsoft Office

Job description

Application Deadline:

06/29/2025

Address:

320 S Canal Street

Job Family Group:

Commercial Sales & Service

Facilitates decisioning and analysis of all types of credit information to support lending decisions and processes for standalone corporate card and ACH at BMO. Maintains and promotes a client service environment to satisfy and exceed customer needs and expectations. This role will make credit decisions and recommendations in accordance with sound credit-granting principles and in compliance with Bank Policies & Procedures.

• Complete all scheduled reviews, as assigned/requested by designated Portfolio Manager in a timely manner and within acceptable quality including discussions with customer, conducting financial analysis, updating security information, workup credit information and forward to Portfolio Manager for decisioning.

• Support Portfolio Manager(s) with Annual Review process by identifying customers and accounts for review, completing spreads of financial statements and confirming risk positions.

• Identify, record, and advise Portfolio Manager of any credit &/or risk management issues and related recommendations identified through review work.

• Provide timely, accurate service and support to ensure the retention of valuable commercial clients and to identify and recommend workflow & process alternatives which can lead to improved efficiency and service levels.

• Acts timely, efficiently and independently, taking ownership of client satisfaction.

• May include focused calling and pipeline management activities.

• Provides advice and guidance to assigned business/group on implementation of solutions.

• Breaks down strategic problems, and analyses data and information to provide insights and recommendations.

• Conducts thorough analysis of client credit risk.

• Provides accurate financial analysis and risk assessment of new and existing customers.

• Partners with internal stakeholders for accurate, detailed client information.

• Develops credit information to make lending decisions on new, renewal and extension loans.

• Prepares summary, present facts and offer opinions concerning credit worthiness.

• Minimizes BMO’s risk exposure by adhering to internal credit policies and procedures with respect to lending decisions.

• Builds effective relationships with internal/external stakeholders.

• Thinks creatively and proposes new solutions.

• Exercises judgment to identify, diagnose, and solve problems within given rules.

• Works mostly independently.

• Broader work or accountabilities may be assigned as needed.

Qualifications:

• 1-3 years of previous Commercial Loan and Credit analyst experience required.

• In depth specific functional knowledge of Commercial Banking

• Strong ability for financial analysis.

• Exceptional skills in quantitative analytics and credit analysis skills.

• Nice to have - Corporate Card Experience

• Highly developed written and oral communication skills.

• Strong proficiency in Microsoft Office products and the Internet.

• Strong interpersonal skills.

• Ability to work under limited supervision.

• Basic understanding of risk management concepts

• Ability to learn and adapt quickly.

• Excellent capability to independently and proactively service multiple clients.

• Specialized knowledge from education and/or business experience.

• Verbal & written communication skills - In-depth.

• Collaboration & team skills - In-depth.

• Analytical and problem solving skills - In-depth.

• Influence skills - In-depth.

Salary:

$52,800.00 - $98,400.00

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’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 http://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.

Note to Recruiters: BMO does not accept unsolicited resumes from any source other than directly from a candidate. Any unsolicited resumes sent to BMO, directly or indirectly, will be considered BMO property. BMO will not pay a fee for any placement resulting from the receipt of an unsolicited resume. A recruiting agency must first have a valid, written and fully executed agency agreement contract for service to submit resumes.