Commercial Portfolio Analyst
BMO U.S., Goerkes Corner, WI, United States
The role supports commercial lending teams through ongoing credit administration, with a primary focus on financial covenant compliance and related portfolio monitoring activities. Responsibilities include independently tracking, calculating, and assessing covenant compliance and collateral margining to identify potential credit deterioration and ensure adherence to loan agreement requirements.
Responsibilities
Adhere to BMO credit policies, regulatory standards, and operational guidelines to effectively manage and mitigate risk exposure.
Apply working knowledge of accounting principles and financial statements (income statement, balance sheet, cash flow) to support credit analysis and underwriting.
Demonstrate operational understanding of commercial loan agreements, including key provisions such as repayment terms, financial covenants, collateral, and amendment processes.
Analyze financial information, tax returns, credit bureau reports, and related documentation to support credit decisions.
Independently perform financial covenant compliance and collateral margining calculations for an assigned portfolio to identify potential credit deterioration and ensure loan agreement compliance.
Make sound, policy‑compliant credit decisions and recommendations using established credit‑granting principles.
Perform financial calculations accurately while working with limited supervision.
Identify opportunities for improvement and propose practical, creative solutions to enhance processes and effectiveness.
Assume additional or broader responsibilities as required to support team and business objectives.
Qualifications
Preferred 2 – 3 years of relevant experience in credit, lending or financial operations in a corporate or banking environment.
BMO Credit Qualification within one-year of assignment.
Bachelor’s degree required; Business Administration, Finance and Accounting preferred. Any other related discipline or commensurate work experience considered.
Specialized knowledge from education and/or business experience.
Foundational Skills
Problem Solving
Collaboration
Detail‑Oriented
Customer Service
Data‑driven decision making
Intermediate Skills
Financial Analysis
Data analysis tools
Portfolio Management
Credit Risk Assessment
Microsoft Office
Salary $54,000.00 - $99,600.00
Pay Type Salaried
Benefits BMO offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans. Compensation may include performance‑based incentives, discretionary bonuses, and other perks and rewards.
Equal Employment Opportunity BMO is a proud equal employment opportunity employer. We evaluate applicants without regard to race, religion, color, national origin, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, transgender status, sexual stereotypes, age, status as a protected veteran, status as an individual with a disability, or any other legally protected characteristics. We also consider applicants with criminal histories, consistent with applicable federal, state and local law. BMO is committed to providing reasonable accommodations for individuals with disabilities. If you need a reasonable accommodation, please contact BMOCareers.Support@bmo.com.
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Responsibilities
Adhere to BMO credit policies, regulatory standards, and operational guidelines to effectively manage and mitigate risk exposure.
Apply working knowledge of accounting principles and financial statements (income statement, balance sheet, cash flow) to support credit analysis and underwriting.
Demonstrate operational understanding of commercial loan agreements, including key provisions such as repayment terms, financial covenants, collateral, and amendment processes.
Analyze financial information, tax returns, credit bureau reports, and related documentation to support credit decisions.
Independently perform financial covenant compliance and collateral margining calculations for an assigned portfolio to identify potential credit deterioration and ensure loan agreement compliance.
Make sound, policy‑compliant credit decisions and recommendations using established credit‑granting principles.
Perform financial calculations accurately while working with limited supervision.
Identify opportunities for improvement and propose practical, creative solutions to enhance processes and effectiveness.
Assume additional or broader responsibilities as required to support team and business objectives.
Qualifications
Preferred 2 – 3 years of relevant experience in credit, lending or financial operations in a corporate or banking environment.
BMO Credit Qualification within one-year of assignment.
Bachelor’s degree required; Business Administration, Finance and Accounting preferred. Any other related discipline or commensurate work experience considered.
Specialized knowledge from education and/or business experience.
Foundational Skills
Problem Solving
Collaboration
Detail‑Oriented
Customer Service
Data‑driven decision making
Intermediate Skills
Financial Analysis
Data analysis tools
Portfolio Management
Credit Risk Assessment
Microsoft Office
Salary $54,000.00 - $99,600.00
Pay Type Salaried
Benefits BMO offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans. Compensation may include performance‑based incentives, discretionary bonuses, and other perks and rewards.
Equal Employment Opportunity BMO is a proud equal employment opportunity employer. We evaluate applicants without regard to race, religion, color, national origin, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, transgender status, sexual stereotypes, age, status as a protected veteran, status as an individual with a disability, or any other legally protected characteristics. We also consider applicants with criminal histories, consistent with applicable federal, state and local law. BMO is committed to providing reasonable accommodations for individuals with disabilities. If you need a reasonable accommodation, please contact BMOCareers.Support@bmo.com.
#J-18808-Ljbffr