Commercial Analyst Development Program - Phoenix, AZ (New Grad 2027)

Bank of Montreal•Phoenix, AZ

9d•Onsite

About The Position

This program 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. The role involves making credit decisions and recommendations in compliance with bank policies and procedures while maintaining an exceptional client service environment. Key activities include performing financial analysis and calculations, assessing client creditworthiness, preparing detailed credit summaries, and analyzing the financial performance and risk profiles of clients within the portfolio. The position supports credit-granting decisions by making recommendations to management, and assists in the negotiation of loan terms and conditions and the structuring of loans that align with client requirements and ensure compliance with the bank's risk appetite and policies. It also involves portfolio monitoring and compliance, analyzing metrics, and assessing industry trends to identify risks and opportunities, as well as developing proposals to capture new business and expand client relationships. The role monitors loan performance, accuracy and integrity of loan documentation, and addresses credit-related issues. Building and maintaining client relationships in collaboration with Relationship Managers and business partners is crucial for long-term financial performance. The role structures and supports new, renewal, and extension loans aligned with client needs and bank & risk policies. It conducts financial analysis and risk assessments of clients’ credit information for an assigned portfolio to provide insights and make informed decisions. The role monitors portfolio performance on an ongoing basis, taking corrective action when required, and minimizes BMO’s risk exposure by adhering to credit policies, regulatory standards, and operational guidelines. It serves as a point of contact for service requests, ensuring expectations are consistently met or exceeded, and escalates issues when needed. The role supports and implements initiatives to enhance service quality, acquire new business, and expand client relationships, identifying revenue and cross-selling opportunities to enhance portfolio growth and share of wallet opportunities. Analysis tools are leveraged to nurture and grow a portfolio that exceeds ROE thresholds and evaluates client returns proactively. Timely and accurate data entry into BMO's systems is managed, and data is leveraged to support decision-making. Focus may be on a specific business/group. The role requires creative thinking and proposing new solutions, exercising judgment to identify, diagnose, and solve problems within given rules, and working mostly independently. Broader work or accountabilities may be assigned as needed. Measured risks are taken while protecting the bank by applying the Risk Management Framework in the execution of the role, in line with the Risk Culture and within the approved Risk Appetite, making sound and risk-informed decisions that align to business strategy, protect assets, and adhere to applicable policy documents, laws, and regulations.

Requirements

Bachelor’s degree required; Business Administration, Finance and Accounting preferred.
Any other related discipline or commensurate work experience considered.
Specialized knowledge from education and/or business experience.
Foundational level of proficiency: Problem Solving
Foundational level of proficiency: Collaboration
Foundational level of proficiency: Detail-Oriented
Foundational level of proficiency: Customer Service
Foundational level of proficiency: Analytical Thinking
Intermediate level of proficiency: Financial Analysis
Intermediate level of proficiency: Loan Structuring
Intermediate level of proficiency: Data analysis tools
Intermediate level of proficiency: Regulatory Compliance
Intermediate level of proficiency: Portfolio Management
Intermediate level of proficiency: Credit Risk Assessment
Intermediate level of proficiency: Banking Operations
Intermediate level of proficiency: Microsoft Office

Nice To Haves

1 – 3 years of relevant experience in credit or lending instruments or financial operations in a corporate or banking environment.
If a Credit Qualifiable job, Credit Qualifications and associated credit knowledge and skills according to the credit portfolio requirements and qualification standards.

Responsibilities

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.
Supports credit-granting decisions by making recommendations to manager.
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.
Supports portfolio monitoring and compliance, analyses metrics, and assesses industry trends to spot risks and opportunities.
Develops proposals to capture new business and expand client relationships.
Monitors loan performance, accuracy and integrity of loan documentation and addresses credit-related issues while ensuring the accuracy and integrity of loan documentation.
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.
Takes 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.