Commercial Sales & Service Performs ongoing comprehensive client credit analysis for an assigned number of client portfolios to assess the business entity’s overall financial health and credit risk using discretionary authority within prescribed limits. Applies lending expertise to a lending product portfolio or part of the lending process (e.g. underwriting, funding, monitoring). Makes credit decisions or provides timely advice to the business banking relationship manager for action in compliance with internal controls and audit, regulatory, and Bank policies and procedures.

Supports the execution of strategic initiatives in collaboration with internal and external stakeholders. Helps determine business priorities and best sequence for execution of business/group strategy. Breaks down strategic problems, and analyses data and information to provide insights and recommendations.

Coordinates the management of databases; ensures alignment and integration of data in adherence with data governance standards. Builds change management plans of varying scope and type; leads or participates in a variety of change management activities including readiness assessments, planning, stakeholder management, execution, evaluation, and sustainment of initiatives. Provides input into the planning and implementation of operational programs.

Executes work to deliver timely, accurate, and effective service. May specialize as either a funding specialist or a credit analyst. As a funding specialist, facilitates the funding process acting as a final and independent control point for legal documentation and ensures that the security/legal documentation reflects what was approved; all terms and conditions noted in the credit application have been met; assesses significance of any security or conditions shortfalls, credit and fraud risks.

Analyzes lending applications to identify, correct,



and make credit decisions or advise of deficiencies and/or exceptions in accordance with sound credit granting principles; recommends remedies to maintain acceptable asset and credit quality. Analyzes lending applications to confirm security valuations and completes and approves credit applications for authorization in compliance with the Bank’s business banking lending policy. Develops risk profiles, credit structuring of lending proposals, and completes credit investigations.

Responds to inquiries and resolves issues raised through audits and quality checks to adequately document lending decisions. Integrates information from multiple sources to enable more efficient processes, enhance analysis, and/or streamline reporting. Monitors and tracks performance and addresses any issues.

Follows security and safeguarding procedures and applies due diligence in accordance with Bank’s policies and ethical standards for the prevention of loss due to fraud, robbery, counterfeiting, money laundering, or defalcation. Adheres to business banking lending processes, policies, procedures, legal, regulatory, audit, and ethical requirements. Maintains the confidentiality of customer and Bank information in compliance with Bank policies and procedures.

Identifies risks and takes appropriate actions, including all documentation and other regulatory requirements to maintain operational integrity. Liaises between clients and various departments across the organization to discuss issues and procedures, and provide product support and expertise. Take measured risks while protecting the bank by applying our Risk Management Framework in the execution of your role, in line with our Risk Culture and within our approved Risk Appetite,



making sound and risk informed decisions that align to business strategy, protect assets, and adhere to applicable policy documents (Frameworks, Policies, Standards, Procedures and Supporting documents), laws and regulations.

Typically between 4 - 6 years of relevant experience and post-secondary degree in related field of study or an equivalent combination of education and experience. Advanced understanding of business banking products, lending process and directives, credit risk policies and standards, supporting processes, applicable legal and regulatory requirements, and Bank policies. Strong knowledge of credit qualification and adjudication standards, policies, and procedures.

Technical proficiency gained through education and/or business experience. Data driven decision making - In-depth. Salaries for part time roles will be pro-rated based on number of hours regularly worked.

BMO Financial Group’s total compensation package will vary based on the pay type of the position and may include performance-based incentives, discretionary bonuses, as well as other perks and rewards. BMO also offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans. It calls on us to create lasting, positive change for our customers, our communities and our people.

We strive to help you make an impact from day one – for yourself and our customers. We’ll support you with the tools and resources you need to reach new milestones, as you help our customers reach theirs. From in-depth training and coaching, to manager support and network-building opportunities, we’ll help you gain valuable experience, and broaden your skillset.

Accommodations are available on request for candidates taking part in all aspects of the selection process. A recruiting agency must first have a valid, written and fully executed agency agreement contract for service to submit resumes.

📌 Credit Analyst Trainee (Mississauga)
🏢 BMO Financial
📍 Mississauga