BMO U.S.
BMO U.S.
5,001 – 10,000 Employees
ConsultingInsuranceLogistics
BMO U.S. is a U.S.-based diversified financial services company serving individuals, small businesses, and large enterprises. Its offerings span personal and business banking, mortgages, investments, financial planning, insurance, wealth management, commercial lending, and commercial mortgages. The company also supports digital and cross-border banking, alongside asset management and capital markets activities. Its broad operating model creates opportunities across financial services, banking technology, customer support, commercial finance, and related corporate functions.

Commercial Credit Analyst Associate – Tampa, FL (Onsite)

Support commercial lending across BMO’s Florida portfolio through credit underwriting, financial analysis, loan structuring, and portfolio monitoring. Partner with Relationship Managers to evaluate risk, support credit decisions, and grow client relationships in the Southeast.

Description

  • Support the Diversified Industries team across the Southeast, with primary responsibility for Florida.
  • Assist Relationship Managers with prospective business and existing-client credit requests.
  • Prepare underwriting materials and perform financial analysis.
  • Contribute to credit discussions with Relationship Managers, management teams, and credit partners.
  • Review financial statements and assess covenant compliance.
  • Help monitor credit for new and existing clients.
  • Evaluate borrower creditworthiness and produce detailed credit summaries.
  • Apply financial models and analytical tools to assess repayment capacity and recommend loan structures and collateral.
  • Provide recommendations to managers supporting credit approval decisions.
  • Track portfolio compliance and flag signs of credit deterioration.
  • Review performance metrics and industry trends to identify risks and opportunities.
  • Assist with negotiating loan terms and conditions and structuring facilities.
  • Create proposals to win new business and deepen client relationships.
  • Build and maintain client relationships alongside Relationship Managers and business partners.
  • Structure and support new, renewed, and extended loans.
  • Track portfolio performance and implement corrective action when necessary.
  • Follow credit policies, regulatory requirements, and operating procedures.
  • Act as a contact for service requests and escalate issues as appropriate.
  • Contribute to efforts that improve service, attract new business, and strengthen client relationships.
  • Use sound judgment to identify, diagnose, and resolve problems.
  • Work independently on complex assignments, including unusual or nonstandard situations.

Requirements

  • Three to four years of relevant experience with credit, lending instruments, or financial operations in a corporate or banking environment is preferred.
  • Meet the credit qualifications and demonstrate the credit knowledge and skills required for the relevant portfolio, where applicable.
  • A bachelor’s degree is required; Business Administration, Finance, or Accounting is preferred.
  • Demonstrate technical proficiency developed through education and/or professional experience.
  • A related discipline or equivalent combination of work experience may also be considered.

Benefits

  • Performance-based incentive opportunities.
  • Discretionary bonus opportunities.
  • Health insurance coverage.
  • Tuition reimbursement.
  • Accident and life insurance coverage.
  • Retirement savings plans.
  • Comprehensive training and coaching.
  • Managerial support.
  • Opportunities to build a professional network.
  • Tools and resources to support continued progress.

Related Jobs

Kreato Global | BPO and Language Solutions

Remote English-Spanish OPI/VRI Interpreter

Kreato Global | BPO and Language Solutions
201 – 500 Employees
HealthcareHospitalityLogistics

Interpret remotely between English- and Spanish-speaking people in medical, financial, social service, and customer care settings. Provide language support for Kreato Global across Latin America.

Open
SPERTON - Where Great People Meet

Sales Executive, Elevators and Car Parking Systems

SPERTON - Where Great People Meet
51 – 200 Employees

Drive elevator and car parking system sales across Mumbai’s Western Region. Build client and dealer relationships, and manage deals from initial enquiry through project execution.

Open