Credit Analyst Internship - Phoenix, AZ (Summer 2027)

Bank of Montreal•Phoenix, AZ

3d•Onsite

About The Position

The Credit Analyst Internship supports lending decisions and processes for new and existing commercial banking loans and credit solutions within an assigned client portfolio. The role analyzes credit information, performs financial analysis and calculations, and makes recommendations to a manager while following bank policies and procedures and supporting an exceptional client-service environment. The intern supports portfolio monitoring and compliance, analyzes metrics and industry trends to identify risks and opportunities, and prepares detailed credit summaries to assess creditworthiness. The role also supports proposals and presentations, helps structure and support new, renewal, and extension loans, and collaborates with Relationship Managers and business partners to maintain client relationships and develop portfolio growth opportunities. The position requires adherence to BMO’s risk-management framework, applicable policies, laws, and regulations. It also involves accurate data entry into BMO systems, handling diverse tasks within established limits, analyzing issues, and escalating matters when appropriate. Broader work or accountabilities may be assigned as needed.

Requirements

Foundational proficiency in financial analysis.
Foundational proficiency in loan structuring.
Foundational proficiency in 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, collaboration, attention to detail, and analytical thinking.
For a credit-qualifiable job, credit qualifications and associated credit knowledge and skills must meet the requirements and standards for the relevant credit portfolio.

Nice To Haves

Relevant experience in credit or lending instruments or financial operations in a corporate or banking environment is preferred.

Responsibilities

Conduct financial analysis and risk assessments of client credit information for an assigned portfolio and provide insights to support informed decisions.
Support structuring new, renewal, and extension loans in line with client needs and bank and risk policies.
Monitor assigned commercial banking portfolio performance and take corrective action when required.
Support portfolio monitoring and compliance, analyze metrics, and assess industry trends to identify risks and opportunities.
Prepare detailed credit summaries to assess creditworthiness and support decision-making.
Provide content and support for proposals and presentations to capture new business and expand client partnerships.
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 expectations, and escalate issues when needed.
Support initiatives to improve service quality, acquire new business, and expand client relationships.
Identify revenue, cross-selling, and share-of-wallet opportunities to enhance portfolio growth.
Use analysis tools to grow a portfolio that exceeds ROE thresholds and proactively evaluate client returns.
Maintain timely and accurate data in BMO systems and use the data to support decision-making.
Minimize BMO’s risk exposure by adhering to credit policies, regulatory standards, operational guidelines, and the Risk Management Framework.
Analyze issues, determine next steps, complete diverse tasks within established rules and limits, and handle escalations from other employees when applicable.