Credit Analyst – Commercial Real Estate Finance

Role Overview

• 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, assesses client creditworthiness, prepares detailed credit summaries, analyses financial performance and risk profiles of clients within the portfolio.
• Utilizes financial models and analytical tools to assess client repayment capacity and recommend appropriate loan structures and collateral.
• Supports credit-granting decisions by making recommendations to manager.
• Supports portfolio monitoring and compliance, within the portfolio to identify deteriorating credit conditions and ensure compliance.
• Analyzes metrics and assesses industry trends to spot risks and opportunities.
• Supports the negotiation of loan terms and conditions and the structuring of loans that align with client requirements and ensure compliance with the banks risk appetite and policies.
• Develops proposals to capture new business and expand client relationships.
• 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.

Requirements

• Preferred 3 – 4 years of relevant experience in credit or lending instruments or financial operations in a corporate or banking environment.
• Bachelor’s degree required; Business Administration, Finance and Accounting preferred.
• Technical proficiency gained through education and/or business experience.
• Intermediate level of proficiency: Problem Solving, Collaboration, Detail-Oriented, Analytical Thinking, Loan Structuring, Regulatory Compliance, Portfolio Management, Credit Risk Assessment, Banking Operations, Microsoft Office.
• Advanced level of proficiency: Data analysis tools, Financial analysis.

Benefits

• Health insurance
• Tuition reimbursement
• Accident and life insurance
• Retirement savings plans