Credit Analyst Internship - Newport Beach, CA (Summer 2027)

Bank of Montreal•Newport Beach, CA

2d•$50,000 - $100,000

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 and financial information, prepares credit summaries, and makes recommendations to a manager while following bank policies, regulatory standards, and risk guidelines. It also supports portfolio monitoring, loan structuring, client service, business development, and relationship growth in collaboration with Relationship Managers and other business partners. The intern may perform complex and varied tasks within established rules and limits, analyze issues, and determine next steps, including handling escalations from other employees. Broader work or accountabilities may be assigned as needed. The role is expected to apply BMO’s Risk Management Framework and make sound, risk-informed decisions aligned with business strategy and the bank’s approved risk appetite. This is a Summer 2027 internship located in Newport Beach, California. The listed annual salary range is $50,000 to $100,000; pay varies according to factors including location, skills, experience, education, and qualifications. The job posting also describes health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans.

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.
Problem-solving skills.
Collaboration skills.
Attention to detail.
Analytical thinking.
Apply risk-management principles and make sound, risk-informed decisions in accordance with applicable policies, laws, and regulations.

Nice To Haves

Relevant experience in credit or lending instruments or financial operations in a corporate or banking environment is preferred.
Credit qualifications and associated credit knowledge and skills according to the applicable credit portfolio requirements and qualification standards, if this is a credit-qualifiable job.

Responsibilities

Analyze financial and credit information for an assigned portfolio and make recommendations to a manager.
Conduct financial analysis and risk assessments to inform credit decisions.
Prepare detailed credit summaries assessing creditworthiness and supporting lending decisions.
Structure and support new, renewal, and extension loans in alignment with client needs and bank and risk policies.
Monitor portfolio performance and compliance on an ongoing basis, taking corrective action when required.
Analyze portfolio metrics and industry trends to identify risks and opportunities.
Follow credit policies, regulatory standards, operational guidelines, and risk-management requirements to minimize the bank’s exposure.
Serve as a point of contact for service requests, meet or exceed client expectations, and escalate issues when needed.
Support proposals and presentations to capture new business and expand client partnerships.
Build and maintain client relationships in collaboration with Relationship Managers and business partners.
Identify revenue, cross-selling, and share-of-wallet opportunities to grow the portfolio.
Use analysis tools to grow a portfolio that exceeds return-on-equity thresholds and proactively evaluate client returns.
Enter data accurately and on time in BMO systems and use that data to support decision-making.
Support and implement initiatives to improve service quality, acquire new business, and expand client relationships.
Analyze issues, determine next steps, and complete complex or diverse tasks within established rules and limits.