Credit Underwriting Analyst

Bank of Montreal • Irving, TX

1d

About The Position

Analyzes credit information to support lending decisions and processes for new and existing Commercial Banking loans and credit solutions within an assigned client portfolio. Makes credit decisions and recommendations in compliance with bank policies and procedures while maintaining exceptional client service. Performs financial analysis, assesses creditworthiness, prepares credit summaries, and evaluates client financial performance and risk profiles.

The role supports credit-granting decisions, loan structuring and negotiations, portfolio monitoring, and compliance. It monitors loan performance and documentation accuracy, identifies credit-related issues, and works with Relationship Managers and business partners to maintain client relationships. The analyst also identifies opportunities to acquire new business, expand client relationships, and grow portfolio revenue while meeting return thresholds.

The position works mostly independently, exercises judgment to diagnose and solve problems within established rules, and may take on broader work or accountabilities as needed. It requires applying BMO’s Risk Management Framework and Risk Culture, making sound risk-informed decisions, protecting bank assets, and complying with applicable policies, laws, and regulations.

Requirements

• Bachelor’s degree required; Business Administration, Finance, or Accounting preferred. A related discipline or commensurate work experience may be considered.
• Specialized knowledge gained through education and/or business experience.
• Foundational proficiency in problem solving, collaboration, attention to detail, customer service, and analytical thinking.
• Intermediate proficiency in financial analysis, loan structuring, data analysis tools, regulatory compliance, portfolio management, credit risk assessment, banking operations, and Microsoft Office.

Nice To Haves

• 1–3 years of relevant experience in credit or lending instruments or financial operations in a corporate or banking environment is preferred.
• A degree in Business Administration, Finance, or Accounting is preferred.

Responsibilities

• Analyze client credit information, financial performance, and risk profiles for an assigned Commercial Banking portfolio.
• Prepare detailed credit summaries and provide recommendations to support credit-granting decisions.
• Support the negotiation of loan terms and conditions and the structuring of loans in line with client requirements and bank policies.
• Structure and support new, renewed, and extended loans in alignment with client needs and the bank’s risk policies.
• Monitor portfolio performance, loan performance, compliance, metrics, and industry trends; take corrective action when required.
• Maintain the accuracy and integrity of loan documentation and address credit-related issues.
• Minimize the bank’s risk exposure by following credit policies, regulatory standards, and operational guidelines.
• 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 client 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 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 promptly into BMO systems and use it to support decision-making.
• Apply the Risk Management Framework and make risk-informed decisions that align with business strategy and approved risk appetite.

Benefits

• Health insurance
• Tuition reimbursement
• Accident insurance
• Life insurance
• Retirement savings plans
• Performance-based incentives and discretionary bonuses may be included in the total compensation package.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level