We are excited to launch the revised and improved2026LaunchPadfor the BMO Commercial Bank, Canada. The program provides a unique combination of experiences, classroom learning, eLearning, case studies, mentoring, on-the-job training and team‑building events during your first 12 month period. This is an exciting and structured start to your career as aCommercial Credit Analyston one of ourMiddle Market Diversified Industriesor selectSpecialty Financeteams.What you can expectCohort‑based learningOn-the-job training, work experience, and performance feedbackValuable networking opportunitiesExposure to a variety of industry sector expertsHolistic development of a broad set of skillsExtensive exposure to industry-leading methods and practicesA disciplined and tested career pathOpportunities to interact with the most senior leaders in the organizationOngoing coaching and mentoringOngoing role competency developmentFinancial Analysis & UnderwritingCredit Risk AssessmentPortfolio ManagementDeal Execution SupportGovernance, Compliance & DocumentationResponsibilitiesAnalyze credit information to support lending decisions for new and existing commercial banking loans and credit solutions within an assigned portfolio.Make credit decisions and recommendations in compliance with bank policies while maintaining an exceptional client service environment.Perform financial analysis and calculations, assess client creditworthiness,



and prepare detailed credit summaries.Utilize financial models and analytical tools to assess client repayment capacity and recommend appropriate loan structures and collateral.Support credit‑granting decisions by making recommendations to the manager.Monitor portfolio performance, identify deteriorating credit conditions, and ensure compliance.Analyze metrics and assess industry trends to spot risks and opportunities.Negotiate loan terms and conditions, structuring loans that align with client requirements and bank risk appetite and policies.Develop proposals to capture current business and expand client relationships.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 policies.Conduct financial analysis and risk assessments for the assigned portfolio to provide insights and informed decisions.Monitor portfolio performance on an ongoing basis and take corrective action when required.Minimize risk exposure by adhering to credit policies, regulatory standards, and operational guidelines.Serve as a point of contact for service requests, ensuring expectations are consistently met or exceeded, and escalating issues when needed.Support and implement initiatives to enhance service quality, acquire new business,



and expand client relationships.Identify revenue and cross‑selling opportunities to enhance portfolio growth and share of wallet.Leverage analysis tools to nurture and grow a portfolio that exceeds ROE thresholds and evaluates client returns proactively.Manage timely and accurate data entry into BMO’s systems and leverage the data to support decision‑making.Exercise judgment to identify, diagnose, and solve problems within given rules while working independently on complex tasks.Take measured risks while protecting the bank by applying the Risk Management Framework in line with risk culture and approved risk appetite.QualificationsPreferred 1–2 years of relevant experience in credit, lending instruments, or financial operations in a corporate or banking environment.Credit qualifications and associated credit knowledge and skills according to the credit portfolio requirements and qualification standards (if applicable).Bachelor’s degree required; Business Administration, Finance, or Accounting preferred. Other related disciplines or commensurate work experience considered.Technical proficiency gained through education and/or business experience.Intermediate proficiency in problem solving, collaboration, detail orientation, analytical thinking, loan structuring, regulatory compliance, portfolio management, credit risk assessment, banking operations, and Microsoft Office.Advanced proficiency in data analysis tools and financial analysis.Fluency in French and English.Compensation and BenefitsSalary: $56,000.00 – $103,500.00 (salaried)BMO offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans. Additional performance‑based incentives and discretionary bonuses may apply.#J-18808-Ljbffr

📌 Commercial Credit Analyst (New Or Recent Graduate), Quebec City - C$56,000 - C$103,500 A Year (Winnipeg)
🏢 BMO
📍 Winnipeg