Commercial Banking Credit Analyst Internship, Summer 2027 (Co-op/Internship) - 4 months

BMO•Toronto, ON

4d•CA$38,500 - CA$71,000•Onsite

About The Position

As a Commercial Banking Credit Analyst Intern at BMO, you’ll have the opportunity to develop strong financial analysis and credit assessment skills while working alongside experienced Commercial Bankers who are passionate about client success. You’ll contribute to meaningful projects, sharpen your ability to assess risk and learn how BMO partners with businesses to fuel growth. This is more than an internship – it’s a chance to explore a career in commercial banking, expand your personal network, and make a real impact with one of the largest banks in North America. We have internship opportunities across various locations in Canada.

Requirements

Great communicator
Team player
Self-motivated
Detail-oriented
Critical thinker with excellent analytical skills
Strong work ethic
Relationship building skills
Passion for Commercial Banking
Relevant experience in credit or lending instruments or financial operations in a corporate or banking environment is preferred.
Foundational level of proficiency: Financial Analysis
Foundational level of proficiency: Loan Structuring
Foundational level of proficiency: Data Analysis Tools
Foundational level of proficiency: Regulatory Compliance
Foundational level of proficiency: Portfolio Management
Foundational level of proficiency: Credit Risk Assessment
Foundational level of proficiency: Banking Operations
Foundational level of proficiency: Microsoft Office
Foundational level of proficiency: Problem Solving
Foundational level of proficiency: Collaboration
Foundational level of proficiency: Detail-Oriented
Foundational level of proficiency: Analytical Thinking

Nice To Haves

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 and makes recommendations to Manager.
Supports portfolio monitoring and compliance, analyses metrics, and assesses industry trends to spot risks and opportunities.
Prepares detailed credit summaries to assess creditworthiness and support decision making.
Provides content and support for proposals and presentations to capture new business and expand client partnerships.
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.
Completes complex & diverse tasks within given rules/limits and may include handling escalations from other employees.
Analyzes issues and determines next steps.
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.