Credit Analyst Internship - Tampa, FL (Summer 2027)

BMO•Tampa, FL

5d•$50,000 - $100,000•Onsite

About The Position

This internship program provides an opportunity to analyze credit information to support lending decisions and processes for new and existing Commercial banking loans and credit solutions within an assigned portfolio of clients. Interns will make credit decisions and recommendations in compliance with bank policies and procedures while maintaining an exceptional client service environment. The role involves performing financial analysis and calculations, supporting portfolio monitoring and compliance, analyzing metrics, and assessing industry trends to identify risks and opportunities. Interns will prepare detailed credit summaries, provide content for proposals and presentations, and build/maintain client relationships in collaboration with Relationship Managers and business partners. The position also involves structuring and supporting new, renewal, and extension loans, conducting financial analysis and risk assessments, monitoring portfolio performance, and minimizing risk exposure by adhering to credit policies and regulatory standards. Interns will serve as a point of contact for service requests, support initiatives to enhance service quality and acquire new business, identify revenue and cross-selling opportunities, and manage timely and accurate data entry into BMO's systems. The role requires completing complex tasks within given rules/limits, analyzing issues, and determining next steps. Interns will also take measured risks while protecting the bank by applying the Risk Management Framework.

Requirements

Relevant experience in credit or lending instruments or financial operations in a corporate or banking environment is preferred.
If a Credit Qualifiable job, Credit Qualifications and associated credit knowledge and skills according to the credit portfolio requirements and qualification standards.
Specialized knowledge.
Foundational level of proficiency: Financial Analysis
Loan Structuring
Data Analysis Tools
Regulatory Compliance
Portfolio Management
Credit Risk Assessment
Banking Operations
Microsoft Office
Problem Solving
Collaboration
Detail-Oriented
Analytical Thinking

Responsibilities

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.