Credit Analyst Internship - Seattle, WA (Summer 2027)

BMO•Seattle, WA

22h•$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 in an assigned client portfolio. The role analyzes credit information, performs financial analysis, and makes recommendations to a manager in accordance with bank policies and procedures while supporting an exceptional client service environment. The intern supports portfolio monitoring and compliance, analyzes metrics and industry trends, prepares credit summaries, and contributes content for proposals and presentations. In collaboration with Relationship Managers and business partners, the role helps build client relationships, structure and support loans, monitor portfolio performance, identify risks and growth opportunities, and maintain accurate data in bank systems. The position also applies BMO’s Risk Management Framework and follows applicable policies, standards, laws, and regulations.

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 problem-solving, collaboration, detail-orientation, and analytical-thinking skills.

Nice To Haves

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

Responsibilities

Analyze clients’ financial information and assess credit risk for an assigned portfolio to provide insights and inform decisions.
Perform financial analysis and calculations and make recommendations to a manager.
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.
Structure and support new, renewal, and extension loans in alignment with client needs and bank and risk policies.
Monitor assigned Commercial Banking portfolio performance and take corrective action when required.
Adhere to credit policies, regulatory standards, and operational guidelines to minimize the bank’s risk exposure.
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.
Maintain timely and accurate data in BMO systems and use it to support decisions.
Complete complex and diverse tasks within established rules and limits, including handling escalations from other employees.
Analyze issues and determine next steps.
Apply the Risk Management Framework and make sound, risk-informed decisions consistent with business strategy, approved risk appetite, policies, laws, and regulations.
Perform other broader work or accountabilities as assigned.