BMO U.S. · 2 hours ago
Credit Analyst
Winter Park, FL
Full-time
Onsite
Entry Level
$54K/yr - $100K/yr
1+ years expBMO U.S. is a financial services company committed to creating positive change for customers and communities. The Credit Analyst role involves analyzing credit information, making credit decisions, and supporting lending processes for commercial banking loans while ensuring compliance with bank policies.
Banking
Responsibilities
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, analyses financial performance and risk profiles of clients within the portfolio
Supports credit-granting decisions by making recommendations to manager
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
Supports portfolio monitoring and compliance, analyses metrics, and assesses industry trends to spot risks and opportunities
Develops proposals to capture new business and expand client relationships
Monitors loan performance, accuracy and integrity of loan documentation and addresses credit-related issues while ensuring the accuracy and integrity of loan documentation
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
Serves as a point of contact for service requests, ensuring expectations are consistently met or exceeded
Escalates issues when needed
Supports and implements initiatives to enhance service quality, acquire new business and expand client relationships
Identifies revenue and cross-selling opportunities to enhance portfolio growth
Identifies share of wallet opportunities
Leverages analysis tools to nurture and grow a portfolio that exceeds ROE thresholds and evaluates client returns on a proactive basis
Manages timely and accurate data entry into BMO's systems and leverages the data to support decision-making
Focus may be on a business/group
Thinks creatively and proposes new solutions
Exercises judgment to identify, diagnose, and solve problems within given rules
Works mostly independently
Broader work or accountabilities may be assigned as needed
Qualification
Required
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
Preferred
1 – 3 years of relevant experience in credit or lending instruments or financial operations in a corporate or banking environment
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
Specialized knowledge from education and/or business experience
Benefits
Health insurance
Tuition reimbursement
Accident and life insurance
Retirement savings plans
Company
BMO U.S.
We’re a bank, but there’s more to it than that. We're a top ten bank in North America and have been serving our customers since 1817.
5001-10000 employees
H1B Sponsorship
BMO U.S. has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (1)
2024 (11)
2023 (41)
2022 (22)
2021 (14)
2020 (21)
Funding
Current Stage
Late StageLeadership Team
Mike Morton
Vice Chair U.S. Commercial Banking
Recent News
2025-10-16
2025-09-23
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