Commercial Credit Associate, Not for Profit & Government Banking

Bank of Montreal • Newport Beach, CA

2d

About The Position

The Commercial Credit Associate analyzes credit information to support lending decisions and processes for new and existing commercial banking loans and credit solutions within an assigned portfolio. The role assesses client creditworthiness and financial performance, prepares detailed credit summaries, and uses financial models and analytical tools to evaluate repayment capacity, risk profiles, loan structures, and collateral. It supports credit-granting decisions by making recommendations to a manager and helps structure new, renewal, and extension loans in line with client needs, bank policies, and risk appetite.

The position monitors portfolio performance and compliance, identifies deteriorating credit conditions, evaluates industry trends, and takes corrective action when required. It also supports loan-term negotiations, client service, business development, and relationship growth in collaboration with Relationship Managers and business partners. The associate identifies revenue, cross-selling, and share-of-wallet opportunities; assesses client returns and portfolio performance against ROE thresholds; and maintains timely, accurate data in BMO systems.

The role primarily focuses on a business or group within BMO, though it may have broader enterprise-wide responsibilities. It requires independent work on complex tasks, sound judgment in resolving problems within established rules, and risk-informed decisions consistent with BMO’s Risk Management Framework, approved risk appetite, policies, and applicable laws and regulations. Broader work or accountabilities may be assigned as needed.

Requirements

• Preferred 3–4 years of relevant experience in credit, 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.
• Intermediate proficiency in problem solving, collaboration, attention to detail, analytical thinking, loan structuring, regulatory compliance, portfolio management, credit risk assessment, banking operations, and Microsoft Office.
• Advanced proficiency in data analysis tools and financial analysis.
• If the role is credit-qualifiable, meet the credit qualifications and demonstrate associated credit knowledge and skills according to portfolio requirements and qualification standards.

Nice To Haves

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

Responsibilities

• Analyze financial information and assess creditworthiness, repayment capacity, and risk for clients in an assigned commercial banking portfolio.
• Prepare detailed credit summaries and make recommendations to support credit-granting decisions.
• Use financial models and analytical tools to recommend loan structures and collateral.
• Structure and support new, renewal, and extension loans aligned with client needs and bank policies.
• Monitor 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 the negotiation of loan terms and conditions while ensuring alignment with the bank’s risk appetite and policies.
• Develop proposals to capture new business and expand client relationships.
• 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 and implement initiatives to improve service quality, acquire business, and expand client relationships.
• Identify revenue, cross-selling, and share-of-wallet opportunities to grow the portfolio.
• Use analysis tools to manage portfolio growth, exceed ROE thresholds, and proactively evaluate client returns.
• Maintain timely and accurate data in BMO systems and use that data to support decision-making.
• Apply credit policies, regulatory standards, operational guidelines, and the Risk Management Framework to minimize risk exposure and protect bank assets.

Benefits

• Health insurance
• Tuition reimbursement
• Accident insurance
• Life insurance
• Retirement savings plans
• Performance-based incentives and discretionary bonuses may be included in the total compensation package.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level