Commercial Portfolio Analyst

Bank of Montreal • Brookfield, WI

9d

About The Position

The Commercial Portfolio Analyst supports commercial lending teams through ongoing credit administration, focusing primarily on financial covenant compliance and portfolio monitoring. The role independently tracks, calculates, and assesses covenant compliance and collateral margining to identify potential credit deterioration and ensure compliance with loan agreement requirements. It applies accounting and financial statement knowledge to credit analysis and underwriting, and working knowledge of commercial loan agreements to evaluate repayment terms, covenants, collateral, and amendments. The analyst reviews financial information, tax returns, credit bureau reports, and related documentation to support credit decisions, while adhering to BMO credit policies, regulatory standards, and operational guidelines. The role works with limited supervision, makes policy-compliant credit decisions and recommendations, and proposes practical process improvements. Additional or broader responsibilities may be assigned to support team and business objectives.

Requirements

• Bachelor’s degree required; a degree in Business Administration, Finance, or Accounting is preferred. Another related discipline or commensurate work experience may be considered.
• Specialized knowledge gained through education and/or business experience.
• Foundational proficiency in problem solving, collaboration, attention to detail, customer service, and data-driven decision-making.
• Intermediate proficiency in financial analysis, data analysis tools, portfolio management, credit risk assessment, and Microsoft Office.
• BMO Credit Qualification within one year of assignment.

Nice To Haves

• 2–3 years of relevant experience in credit, lending, or financial operations in a corporate or banking environment.
• Bachelor’s degree in Business Administration, Finance, or Accounting.

Responsibilities

• Support commercial lending teams through ongoing credit administration and portfolio monitoring.
• Independently track, calculate, and assess financial covenant compliance and collateral margining for an assigned portfolio.
• Identify potential credit deterioration and ensure adherence to loan agreement requirements.
• Adhere to BMO credit policies, regulatory standards, and operational guidelines to manage and mitigate risk exposure.
• Apply accounting principles and knowledge of income statements, balance sheets, and cash flows to credit analysis and underwriting.
• Analyze financial information, tax returns, credit bureau reports, and related documentation to support credit decisions.
• Make sound, policy-compliant credit decisions and recommendations using established credit-granting principles.
• Perform financial calculations accurately with limited supervision.
• Identify opportunities for improvement and propose practical, creative solutions to enhance processes and effectiveness.
• Assume additional or broader responsibilities as required to support team and business objectives.

Benefits

• Health insurance
• Tuition reimbursement
• Accident and life insurance
• Retirement savings plans
• Performance-based incentives and discretionary bonuses may be included in the total compensation package, depending on the position’s pay type.

What This Job Offers

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