Commercial Analyst Development Program (New Grad 2027)

BMO•Miami, FL

2d•$54,000 - $99,600•Onsite

About The Position

This program is designed for new graduates entering the Commercial Analyst role in 2027. The role involves analyzing credit information to support lending decisions and processes for new and existing Commercial banking loans and credit solutions within an assigned portfolio of clients. The analyst will make credit decisions and recommendations in compliance with bank policies and procedures while maintaining an exceptional client service environment. Key activities include performing financial analysis, assessing client creditworthiness, preparing credit summaries, analyzing financial performance and risk profiles, supporting credit-granting decisions, negotiating loan terms, structuring loans, monitoring portfolio performance and compliance, analyzing metrics, assessing industry trends, developing proposals for new business, monitoring loan performance and documentation, building client relationships, conducting financial analysis and risk assessments, minimizing risk exposure, serving as a point of contact for service requests, supporting initiatives to enhance service quality, acquiring new business, expanding client relationships, identifying revenue and cross-selling opportunities, identifying share of wallet opportunities, leveraging analysis tools, managing data entry, and potentially focusing on a specific business/group. The role requires creative thinking, problem-solving within given rules, and working mostly independently, with broader accountabilities assigned as needed. It also emphasizes taking measured risks and applying the Risk Management Framework.

Requirements

Preferred 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.
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, Collaboration, Detail-Oriented, Customer Service, Analytical Thinking.
Intermediate level of proficiency: Financial Analysis, Loan Structuring, Data analysis tools, Regulatory Compliance, Portfolio Management, Credit Risk Assessment, Banking Operations, Microsoft Office.

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.
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.
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.