Senior Commercial Credit Analyst

BMO; United States; In loco; USD 90.000 - 180.000; Tempo pieno

Vantaggi offerti da questo lavoro

Health insurance

Tuition reimbursement

Accident and life insurance

Retirement savings plans

Descrizione del lavoro

BMO Financial Group in the United States seeks a Commercial Credit Analyst to analyze credit information, structure loans, and support lending decisions for a portfolio of clients. You will negotiate terms, assess repayment capacity, monitor performance, and provide analytical insights while upholding risk policies and regulatory standards.

The role focuses on commercial banking loans, portfolio management, and cross-functional collaboration with Relationship Managers.

Competenze

• Bachelor’s degree required; Business Administration, Finance and Accounting preferred.
• Foundational level of proficiency: Structuring Deals.
• Advanced level of proficiency: Problem Solving Collaboration Detail-Oriented Customer Service Loan Structuring Regulatory Compliance Portfolio Management Credit Risk Assessment Banking Operations Microsoft Office
• Expert level of proficiency: Financial analysis.

Mansioni

• 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.
• Negotiates loan structures and terms and conditions that align client requirements with the bank risk appetite and policies.
• Assesses client repayment capacity by utilizing financial models and analytical tools to recommend appropriate loan structures and collateral requirements.
• Signs off on new, renewal and extension loans within delegated authority.
• Monitors portfolio to identify deteriorating credit conditions and compliance, analyses metrics, and assesses broader industry trends to spot risks and opportunities.
• Evaluates portfolio performance and recommends capital allocation strategies that optimize returns with investment objectives.
• Leads proposal development and delivers presentations to capture new business and expand client relationships.
• Networks with industry contacts to gather competitive insights and best practices.
• Develops and executes business development plans focused on enhancing client relationships and growth opportunities within the portfolio.
• 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.
• Focus is primarily on business/group within BMO; may have broader, enterprise-wide focus.
• Provides specialized consulting, analytical and technical support.
• Exercises judgment to identify, diagnose, and solve problems within given rules.
• Works independently and regularly handles non-routine situations.
• 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.

Conoscenze

Financial analysis

Credit risk assessment

Loan structuring

Regulatory compliance

Portfolio management

Microsoft Office

Banking operations

Analytical thinking

Formazione

Bachelor’s degree

Finance and accounting background

Strumenti

Microsoft Office

Descrizione del lavoro

BMO Financial Group in the United States seeks a Commercial Credit Analyst to analyze credit information, structure loans, and support lending decisions for a portfolio of clients. You will negotiate terms, assess repayment capacity, monitor performance, and provide analytical insights while upholding risk policies and regulatory standards.

The role focuses on commercial banking loans, portfolio management, and cross-functional collaboration with Relationship Managers.