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About the Role

The 2026 LaunchPad program offers a structured 12-month start to a career as a Commercial Credit Analyst within BMO Commercial Bank, Canada. It includes cohort-based learning, on-the-job training, mentoring, and exposure to industry experts, fostering holistic skill development and a disciplined career path.

Responsibilities

• Analyze credit information to support lending decisions and processes for new and existing Commercial banking loans and credit solutions.
• Make credit decisions and recommendations in compliance with bank policies and procedures.
• Perform financial analysis and calculations, assess client creditworthiness, and prepare detailed credit summaries.
• Analyze financial performance and risk profiles of clients within the portfolio.
• Utilize financial models and analytical tools to assess client repayment capacity and recommend appropriate loan structures and collateral.
• Support credit-granting decisions by making recommendations to manager.
• Support portfolio monitoring and compliance to identify deteriorating credit conditions and ensure compliance.
• Analyze metrics and assess industry trends to identify risks and opportunities.
• Support the negotiation of loan terms and conditions and the structuring of loans.
• Develop proposals to capture new business and expand client relationships.
• Build and maintain client relationships in collaboration with Relationship Manager and business partners.
• Structure and support new, renewal, and extension loans aligned with client needs and bank & risk policies.
• Conduct financial analysis and risk assessments of clients’ credit information for an assigned portfolio.
• Monitor the performance of an assigned portfolio of Commercial Banking clients, taking corrective action when required.
• Minimize BMO’s risk exposure by adhering to credit policies, regulatory standards, and operational guidelines.
• Serve as a point of contact for service requests, ensuring expectations are met or exceeded.
• Escalate issues when needed.
• Support and implement initiatives to enhance service quality, acquire new business, and expand client relationships.
• Identify revenue and cross-selling opportunities to enhance portfolio growth.
• Identify share of wallet opportunities.
• Leverage analysis tools to nurture and grow a portfolio that exceeds ROE thresholds and evaluate client returns proactively.
• Manage timely and accurate data entry into BMO's systems and leverage data to support decision-making.
• Exercise judgment to identify, diagnose, and solve problems within given rules.
• Work independently on a range of complex tasks, including unique situations.
• Take measured risks while protecting the bank by applying the Risk Management Framework, making sound and risk-informed decisions.

Requirements

• Preferred 3 – 4 years of relevant experience in credit, lending instruments, or financial operations in a corporate or banking environment.
• Credit Qualifications and associated credit knowledge and skills according to credit portfolio requirements and qualification standards (if a Credit Qualifiable job).
• Bachelor’s degree required.
• Business Administration, Finance, and Accounting preferred.
• Any other related discipline or commensurate work experience considered.
• Technical proficiency gained through education and/or business experience.

Skills

• Financial Analysis & Underwriting
• Credit Risk Assessment
• Portfolio Management
• Deal Execution Support
• Governance, Compliance & Documentation
• Problem Solving
• Collaboration
• Detail-Oriented
• Analytical Thinking
• Loan Structuring
• Regulatory Compliance
• Banking Operations
• Microsoft Office
• Data analysis tools

Location

• 270 Dundas Street
• Canada

Work Type

• Full-time

Experience Level

• Preferred 3 – 4 years of relevant experience

Education Level

• Bachelor’s degree required
• Business Administration, Finance and Accounting preferred

Salary/Compensations

• $53,200.00 - $98,300.00

Benefits

• Performance-based incentives
• Discretionary bonuses
• Other perks and rewards
• Health insurance
• Tuition reimbursement
• Accident and life insurance
• Retirement savings plans

About the Company

• BMO is driven by a shared Purpose: Boldly Grow the Good in business and life.
• The company aims to create lasting, positive change for customers, communities, and people.
• By working together, innovating, and pushing boundaries, BMO transforms lives and businesses, powering economic growth globally.
• As a BMO team member, you are valued, respected, heard, and have opportunities to grow and make an impact.
• BMO supports employees with tools, resources, in-depth training, coaching, manager support, and network-building opportunities.
• BMO is a leading bank focused on building, investing, and transforming to drive performance and continue growing the good.
• The company fuels growth and expands possibilities for individuals, families, and businesses.
• More than 12 million customers rely on BMO for personal and commercial banking, wealth management, and investment services.
• As the 8th largest bank in North America by assets, BMO provides personal and commercial banking, wealth management, and investment services to over 12 million customers.
• Globally, BMO continues to build, invest, and transform to drive performance that serves the good that grows.

Equal Opportunity

• BMO is committed to an inclusive, equitable, and accessible workplace.
• The company gains strength through its people and perspectives by learning from differences.
• Accommodations are available on request for candidates taking part in all aspects of the selection process.
• To request accommodation, contact your recruiter.