BMO U.S. — жеке тұлғаларға, шағын бизнеске және ірі кәсіпорындарға қызмет көрсететін, АҚШ-та орналасқан әртараптандырылған қаржылық қызметтер компаниясы. Оның қызметтері жеке және бизнес-банкингті, ипотеканы, инвестицияларды, қаржылық жоспарлауды, сақтандыруды, байлықты басқаруды, коммерциялық кредит беруді және коммерциялық ипотеканы қамтиды. Компания активтерді басқару және капитал нарықтарындағы қызметтерімен қатар цифрлық және трансшекаралық банкингті де қолдайды. Оның кең ауқымды операциялық моделі қаржылық қызметтер, банк технологиялары, клиенттерді қолдау, коммерциялық қаржыландыру және басқа да корпоративтік функциялар салаларында мүмкіндіктер ұсынады.
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.
Сипаттама
- 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.
Талаптар
- 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.
Артықшылықтар
- 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.