Commercial Banking Associate

Bank of Montreal•Miami, FL

15h

About The Position

The Commercial Banking Associate analyzes credit information and supports lending decisions and processes for new and existing commercial banking loans and credit solutions in an assigned client portfolio. The role assesses client creditworthiness and financial performance, prepares credit summaries, and uses financial models and analytical tools to evaluate repayment capacity, risk profiles, loan structures, and collateral. It makes recommendations to the manager in support of credit-granting decisions and helps structure loans in line with client needs, bank policies, and risk appetite. The associate monitors portfolio performance and compliance, identifies deteriorating credit conditions, evaluates industry trends, and takes corrective action when needed. The role also supports loan-term negotiations, provides client service, helps resolve and escalate service issues, and collaborates with Relationship Managers and business partners to maintain and grow client relationships. It identifies new-business, revenue, cross-selling, and share-of-wallet opportunities, evaluates client returns against ROE thresholds, and maintains timely and accurate data in BMO systems. The position focuses primarily on a business or group within BMO, with possible broader enterprise-wide responsibilities. It requires judgment in diagnosing and solving problems within established rules and independence across complex tasks, including unique situations. The associate is expected to apply BMO’s Risk Management Framework, Risk Culture, and approved Risk Appetite, while following applicable policies, standards, procedures, laws, and regulations. Broader work or accountabilities may be assigned as needed.

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, or Accounting preferred. A related discipline or commensurate work experience may be considered.
Technical proficiency gained through education and/or business experience.
For a Credit Qualifiable job, credit qualifications and associated credit knowledge and skills must meet the applicable credit portfolio requirements and qualification standards.

Nice To Haves

Experience in credit or lending instruments or financial operations in a corporate or banking environment.
A degree in Business Administration, Finance, or Accounting.

Responsibilities

Analyze credit information to support lending decisions and processes for new and existing commercial loans and credit solutions.
Assess client creditworthiness, financial performance, and risk profiles; prepare detailed credit summaries and analyses.
Use financial models and analytical tools to evaluate repayment capacity and recommend loan structures and collateral.
Make recommendations to the manager in support of credit-granting decisions.
Structure and support new, renewal, and extension loans in accordance with client needs and bank risk policies.
Monitor assigned portfolio performance and compliance, identify deteriorating credit conditions, and take corrective action when required.
Analyze metrics and industry trends to identify risks and opportunities.
Support negotiation of loan terms and conditions and structure loans in accordance with client requirements and the bank’s risk appetite and policies.
Build and maintain client relationships in collaboration with Relationship Managers and business partners.
Serve as a point of contact for service requests, meet or exceed client expectations, and escalate issues when needed.
Support initiatives to improve service quality, acquire new business, and expand client relationships.
Identify revenue, cross-selling, and share-of-wallet opportunities to grow the portfolio.
Use analysis tools to grow a portfolio that exceeds ROE thresholds and proactively evaluate client returns.
Maintain timely and accurate data in BMO systems and use data to support decision-making.
Minimize the bank’s risk exposure by following credit policies, regulatory standards, operational guidelines, and the Risk Management Framework.
Make sound, risk-informed decisions aligned with business strategy, approved risk appetite, and applicable policies, laws, and regulations.