Credit Analyst Internship - Phoenix, AZ (Summer 2027)

BMO • Phoenix, AZ

1d • $50,000 - $100,000

About The Position

The Credit Analyst Intern analyzes credit information to support lending decisions and processes for new and existing Commercial Banking loans and credit solutions in an assigned client portfolio. The role performs financial analysis and risk assessments, prepares credit summaries, and makes recommendations to support decision-making in accordance with bank policies and procedures.

The intern supports portfolio monitoring and compliance, tracks metrics and industry trends, and helps identify risks, opportunities, revenue potential, and cross-selling opportunities. Working with Relationship Managers and business partners, the intern supports loan structuring and client relationship development while contributing to service quality, portfolio growth, and the bank’s risk management practices. The role also involves maintaining accurate information in bank systems and handling a range of analytical and operational tasks.

Requirements

• Foundational proficiency in financial analysis.
• Foundational proficiency in loan structuring.
• Foundational proficiency with data analysis tools.
• Foundational proficiency in regulatory compliance.
• Foundational proficiency in portfolio management.
• Foundational proficiency in credit risk assessment.
• Foundational proficiency in banking operations.
• Foundational proficiency in Microsoft Office.
• Foundational proficiency in problem solving.
• Foundational proficiency in collaboration.
• Foundational proficiency in attention to detail.
• Foundational proficiency in analytical thinking.

Nice To Haves

• Relevant experience in credit or lending instruments or financial operations in a corporate or banking environment is preferred.
• For a credit-qualifiable job, credit qualifications and associated credit knowledge and skills must meet the applicable credit portfolio requirements and qualification standards.

Responsibilities

• Perform financial analysis and calculations, and make recommendations to the Manager.
• Support portfolio monitoring and compliance; analyze metrics and industry trends to identify risks and opportunities.
• Prepare detailed credit summaries to assess creditworthiness and support lending decisions.
• Provide content and support for proposals and presentations to capture new business and expand client partnerships.
• Build and maintain client relationships in collaboration with the Relationship Manager and business partners.
• Structure and support new, renewal, and extension loans in line with client needs and bank and risk policies.
• Analyze clients’ credit information and conduct risk assessments for an assigned portfolio.
• Monitor the performance of assigned Commercial Banking clients and take corrective action when required.
• Minimize the bank’s risk exposure by following credit policies, regulatory standards, and operational guidelines.
• Serve as a point of contact for service requests, meet or exceed expectations, and escalate issues when needed.
• Support and implement initiatives to improve service quality, acquire new business, and expand client relationships.
• Identify revenue, cross-selling, and share-of-wallet opportunities.
• Use analysis tools to grow a portfolio that exceeds return-on-equity thresholds and proactively evaluate client returns.
• Ensure timely and accurate data entry in BMO systems and use the data to support decisions.
• Complete complex and diverse tasks within established rules and limits, potentially handling escalations from other employees.
• Analyze issues and determine next steps.
• Apply the Risk Management Framework and Risk Culture, make sound risk-informed decisions, protect bank assets, and comply with applicable policies, laws, and regulations.
• Perform other broader work or accountabilities as assigned.

Benefits

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

What This Job Offers

• Job Type: Full-time
• Career Level: Intern
• Education Level: No Education Listed