Credit Risk Analyst at BMO Financial Group in Toronto, ON, CA. This Full time on site position offers great opportunities for growth opportunities.

Application Deadline: 10/12/2026 Address: 250 Yonge Street Job Family Group: Customer Solutions #bmoinsurance The Credit Risk Analyst plays a critical role in supporting the end-to-end credit underwriting and approval process for new and existing credit names. The successful candidate will support the Credit Analysts in the CIO office, as well as work closely with Credit Risk Officers, Relationship Managers, Deal Specialists, and other teams to facilitate borrower onboarding, prepare high-quality credit memoranda, manage credit-related systems and documentation, and ensure timely completion of approval requirements for credit facilities.

Credit Underwriting

Support and Credit Memorandum Preparation Support the underwriting of new credit names to support the investments of fixed income products, mainly public bonds. Gather, organize, and analyze company information, financial information, ratings reports, and other due diligence information required for credit assessments. Conduct preliminary credit analysis, including review of financial statements, industry information, borrower credit metrics, and credit risk assessment.

Assist in identifying key risks, mitigants, for credit facilities. Draft and prepare comprehensive credit memoranda and approval packages for submission to Credit Risk. Ensure accuracy, consistency, and completeness of credit documentation.

Incorporate feedback from relationship teams and credit adjudicators into final approval packages.



System and Workflow Management Manage required data entry and maintenance across credit and loan origination systems. Facilitate borrower setup and credit facility configuration within internal platforms.

Ensure all system records align with credit approval documents and supporting analysis. Ensure alignment of credit package with all internal credit policies, including risk rating methodology and internal limits. Upload, maintain, and organize supporting documentation in document management systems.

Monitor workflow status and follow up on outstanding actions required for credit approval. Monitor timeline of and prepare annual reviews of existing credit facilities. Be the point of contact for operational and system issues relating to credit risk underwriting.

Credit Approval Coordination

Coordinate the submission of credit requests to Credit Risk. Track credit approval progress and manage communication between business teams and credit adjudicators.

Process

Improvement and Governance Support adherence to credit policies, procedures, and regulatory requirements. Maintain strong controls over data quality and document integrity. Assist with portfolio reporting, audits, and ongoing credit administration activities as required. Undergraduate degree in Finance, Accounting, Economics, Business Administration, or a related discipline.

Experience:



1-3 years of experience in commercial banking, credit analysis, underwriting, loan administration, risk management, or financial services. Exposure to commercial lending, corporate banking, private credit, or credit adjudication processes is preferred.

Technical Skills

Strong financial statement analysis and credit assessment skills.

Experience preparing credit applications, credit memoranda, or lending approval packages. Proficiency in Microsoft Excel, PowerPoint, and Word.

Experience working with credit workflow, loan origination, documentation, or portfolio management systems is an asset. 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.

📌 Structured Finance Credit Risk Analyst H/F (Toronto)
🏢 BMO Financial Group
📍 Toronto