Job Family Group: Commercial Sales & Service BMO's Real Estate Finance Group is a specialized commercial banking team that provides construction financing, commercial mortgages, development loans, and investment property financing to builders, developers, and real estate investors across Canada. With dedicated industry expertise and regional market coverage, the team supports projects ranging from residential and multi-unit developments to commercial, industrial, and mixed-use properties Analyzes credit information to support lending decisions and processes for new and existing Commercial banking loans and credit solutions in an assigned portfolio of clients. Makes credit decisions and recommendations in compliance with bank policies and procedures while maintaining an exceptional client service environment. Performs financial analysis and calculations, assesses client creditworthiness, prepares detailed credit summaries, analyzes financial performance and risk profiles of clients within the portfolio. Utilizes financial models and analytical tools to assess client repayment capacity and recommend appropriate loan structures and collateral. Supports credit-granting decisions by making recommendations to manager. Supports portfolio monitoring and compliance, within the portfolio to identify deteriorating credit conditions and ensure compliance. Analyses metrics and assesses industry trends to spot risks and opportunities. Supports the negotiation of loan terms and conditions and the structuring of loans that align with client requirements and ensure compliance with the banks risk appetite and policies. Builds and maintains client relationships to ensure long-term financial performance in collaboration with Relationship Manager and business partners. Structures and supports new,



renewal and extension loans aligned with client needs and bank & risk policies Conducts financial analysis and risk assessments of clients' credit information, for an assigned portfolio, to provide insights and make informed decisions Monitors the portfolio performance for assigned portfolio of Commercial Banking clients on an ongoing basis, taking corrective action when required. Minimizes BMO's risk exposure by adhering to credit policies, regulatory standards, and operational guidelines. Supports and implements initiatives to enhance service quality, acquire new business and expand client relationships. Manages timely and accurate data entry into BMO's systems and leverages the data to support decision-making. 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. Preferred 3
- 4 years of relevant experience in credit or lending instruments or financial operations in a corporate or banking setting. If a Credit Qualifiable job, Credit Qualifications and associated credit knowledge and skills according to the credit portfolio requirements and qualification standards. Bachelor's degree required; Business Administration, Finance and Accounting preferred. Any other related discipline or commensurate work experience considered. Technical proficiency gained through education and/or business experience. Technical Proficiency Problem SolvingCollaborationDetail-OrientedAnalytical ThinkingLoan StructuringRegulatory CompliancePortfolio ManagementCredit Risk AssessmentBanking OperationsMicrosoft Office Data analysis toolsFinancial analysis You're fluent in French and English as this role provides support to clients and team members inside and/or outside the province of Quebec .

📌 Credit Analyst, Commercial Banking (Montreal)
🏢 Bank N.a.
📍 Montreal