Credit Analyst Internship - San Francisco, CA (Summer 2027)

Bank of Montreal•San Francisco, CA

About The Position

The Credit Analyst analyzes credit information to support lending decisions and processes for new and existing Commercial Banking loans and credit solutions within an assigned client portfolio. The role makes credit recommendations in accordance with bank policies and procedures while maintaining a strong client service environment. It performs financial analysis and risk assessments, monitors portfolio performance and compliance, evaluates industry trends, and prepares credit summaries to support decision-making. The analyst also supports proposals and presentations, develops client relationships with Relationship Managers and business partners, and identifies opportunities to grow portfolio revenue and client partnerships. The position structures and supports new, renewed, and extended loans aligned with client needs and bank risk policies. It monitors portfolio metrics, takes corrective action when needed, manages data in BMO systems, and handles service requests and escalations. The analyst is expected to apply BMO’s Risk Management Framework and make sound, risk-informed decisions that protect the bank and comply with applicable policies, laws, and regulations. Broader work or accountabilities may be assigned as needed. This is an internship for Summer 2027, based in San Francisco, California. BMO describes training, coaching, manager support, and network-building opportunities as part of the experience.

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.

Nice To Haves

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

Responsibilities

Analyze client credit information and perform financial analysis and risk assessments to support lending decisions and recommendations.
Structure and support new, renewal, and extension loans in line with client needs and bank and risk policies.
Monitor the performance, compliance, and metrics of an assigned Commercial Banking portfolio and take corrective action when required.
Prepare detailed credit summaries to assess creditworthiness and support decision-making.
Analyze industry trends to identify risks and opportunities.
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.
Minimize BMO’s risk exposure by following credit policies, regulatory standards, operational guidelines, and the Risk Management Framework.
Respond to client service requests, ensure expectations are met or exceeded, and escalate issues when needed.
Support initiatives to enhance service quality, acquire new business, and expand client relationships.
Identify revenue, cross-selling, and share-of-wallet opportunities to support 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 it to support decision-making.
Analyze issues, determine next steps, and handle complex tasks or escalations within applicable rules and limits.