Commercial Portfolio Analyst

BMO • Brookfield, WI

12d • $55,000 - $110,000

About The Position

The Commercial Portfolio Analyst supports commercial lending teams through ongoing credit administration, focusing primarily on financial covenant compliance and related portfolio monitoring. The role independently tracks, calculates, and assesses covenant compliance and collateral margining to identify potential credit deterioration and ensure adherence to loan agreement requirements.

The analyst applies knowledge of accounting principles, financial statements, commercial loan agreements, and credit documentation to support credit analysis, underwriting, and credit decisions. The position follows BMO credit policies, regulatory standards, and operational guidelines to manage and mitigate risk exposure. It also contributes to process improvements and may take on additional responsibilities to support team and business objectives.

Requirements

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

Nice To Haves

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

Responsibilities

• Adhere to BMO credit policies, regulatory standards, and operational guidelines to manage and mitigate risk exposure.
• Apply working knowledge of accounting principles and financial statements to support credit analysis and underwriting.
• Demonstrate operational understanding of commercial loan agreements, including repayment terms, financial covenants, collateral, and amendment processes.
• Analyze financial information, tax returns, credit bureau reports, and related documentation to support credit decisions.
• Independently perform financial covenant compliance and collateral margining calculations for an assigned portfolio to identify potential credit deterioration and ensure loan agreement compliance.
• Make sound, policy-compliant credit decisions and recommendations using established credit-granting principles.
• Perform financial calculations accurately while working 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
• The total compensation package may include performance-based incentives, discretionary bonuses, and other perks and rewards.
• Training and coaching, manager support, and network-building opportunities

What This Job Offers

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