Commercial Credit Analyst (New or Recent Graduate), Quebec City

BMO•Quebec, QC

3d•CA$56,000 - CA$103,500•Onsite

About The Position

We are excited to launch the revised and improved 2026 LaunchPad for the BMO Commercial Bank, Canada. The program provides a unique combination of experiences, classroom learning, eLearning, case studies, mentoring, on-the-job training and team-building events during your first 12 month period. This is an exciting and structured start to your career as a Commercial Credit Analyst on one of our Middle Market Diversified Industries or select Specialty Finance teams. What you can expect: Cohort‑based learning On-the-job training, work experience, and performance feedback Valuable networking opportunities Exposure to a variety of industry sector experts Holistic development of a broad set of skills Extensive exposure to industry-leading methods and practices A disciplined and tested career path Opportunities to interact with the most senior leaders in the organization Ongoing coaching and mentoring.

Requirements

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.
Intermediate level of proficiency: Problem Solving, Collaboration, Detail-Oriented, Analytical Thinking, Loan Structuring, Regulatory Compliance, Portfolio Management, Credit Risk Assessment, Banking Operations, Microsoft Office
Advanced level of proficiency: Data analysis tools, Financial analysis
Fluent in French and English as this role provides support to clients and team members inside and/or outside the province of Quebec.

Nice To Haves

1 – 2 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.
Utilizes financial models and analytical tools to assess client repayment capacity and recommend appropriate loan structures and collateral.
Supports credit-granting decisions by making recommendations to manager.
Supports portfolio monitoring and compliance, within the portfolio to identify deteriorating credit conditions and ensure compliance.
Analyses metrics and assesses industry trends to spot risks and opportunities.
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.
Develops proposals to capture new business and expand client relationships.
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.
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.