Credit Analyst

Final date to receive applications: 01/08/2026

Address: 501 E Kennedy Boulevard

Job Family Group: Commercial Sales & Service

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.

• Perform financial analysis and calculations, assess client creditworthiness, and prepare detailed credit summaries.
• Support credit‑granting decisions by making recommendations to management.
• Assist in loan negotiations and structuring of loans that align with client requirements and BMO’s risk appetite and policies.
• Monitor portfolio performance, analyze metrics, and assess industry trends to identify risks and opportunities.
• Develop proposals to capture new business and expand client relationships.
• Ensure accuracy and integrity of loan documentation, monitor loan performance, and address credit‑related issues.
• Build and maintain client relationships, collaborating with Relationship Managers and other partners.
• Structure and support new, renewal, and extension loans aligned with client needs and bank policies.
• Take corrective action when required and minimize BMO’s risk exposure by adhering to credit policies, regulatory standards, and operational guidelines.
• Serve as a point of contact for service requests, ensuring expectations are met or exceeded and escalating issues when needed.
• Support and implement initiatives to enhance service quality and acquire new business.
• Identify revenue, cross‑selling, and share‑of‑wallet opportunities; leverage analysis tools to grow the portfolio.
• Maintain timely and accurate data entry into BMO systems and use the data to support decision‑making.
• Exercise judgment to identify, diagnose, and solve problems within given rules while working mostly independently.
• Broader work or accountabilities may be assigned as needed.

• Preferred 1–3 years of relevant experience in credit or lending instruments or financial operations in a corporate or banking environment.
• For Credit‑Qualifiable roles, Credit Qualifications and associated credit knowledge and skills as required.
• Bachelor’s degree required (Business Administration, Finance, Accounting preferred). Other related disciplines or commensurate work experience considered.
• Specialized knowledge derived from education and/or business experience.

• Problem Solving
• Collaboration
• Detail‑Oriented
• Customer Service
• Analytical Thinking

• Financial Analysis
• Loan Structuring
• Data Analysis Tools
• Regulatory Compliance
• Portfolio Management
• Credit Risk Assessment
• Banking Operations
• Microsoft Office

Salary: $54,000.00 – $99,600.00

Pay Type: Salaried

The above represents BMO Financial Group’s pay range and type. Salaries may vary based on location, skills, experience, education, and qualifications. Part‑time roles are pro‑rated. Commission roles are included in the first‑year target.

BMO offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans. Additional benefits and incentives include performance‑based bonuses, discretionary bonuses, and other perks. For more details on our total rewards, visit

At BMO we are driven by a shared

Purpose:

Boldly Grow the Good in business and life. We create lasting, positive change for our customers, communities, and people. As a member of the BMO team you are valued, respected, and heard. We help you make an impact from day one through training, coaching, manager support, and network‑building opportunities. Find out more at

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, protected veteran status, individual with a disability, or any other legally protected characteristics. We also consider applicants with criminal histories, consistent with applicable law.

BMO is committed to providing reasonable accommodations to individuals with disabilities. If you need a reasonable accommodation, please email  with the nature of your request and contact information.

BMO does not accept unsolicited resumes from any source other than directly from a candidate. Unsolicited resumes are considered BMO property and will not be compensated. Recruiting agencies must have a valid, written, and fully executed agreement before submitting resumes.