Commercial Financial Analyst

Key Responsibilities

• Financial Analysis
• Income Statement, Balance Sheet, and Cash Flow analysis
• Cash flow/debt service coverage and operating leverage analysis
• Spread financials and support underwriting processes with detailed financial insights
• Risk & Return Modeling
• Utilize the bank’s proprietary risk model to assess borrower default and repayment risk
• Apply the bank’s proprietary return model to evaluate client return on allocated capital
• Ongoing Portfolio Management
• Track monthly financial statements, covenant compliance certificates, and borrowing base reports
• Perform periodic covenant compliance testing
• Complete annual reviews to assess financial performance and covenant adherence
• Underwriting & Deal Support
• Collaborate with the deal team to prepare underwriting for new business opportunities
• Structure and support renewals, amendments, and loan requests aligned with client needs and bank/risk policies
• Credit Policy & Risk Management
• Minimize risk exposure by adhering to credit policies, regulatory standards, and operational guidelines

Minimum Qualifications

• Education – Bachelor’s degree in Accounting, Finance, Economics, or Business Administration
• Training – Completion of a Commercial Credit Underwriting Program
• Underwriting Experience – Minimum 2 to 3 years of relevant Commercial Credit Underwriting experience within a commercial banking environment

Preferred Qualifications

• Education – MBA in Accounting, Finance, Economics, Business Administration, Financial Analysis, or Commercial Banking
• Underwriting Experience – Experience within Dealer Finance commercial lending

Technical & Skill Requirements

• High proficiency in Microsoft Excel

Pay

Salary: $54,000.00 - $99,600.00
Pay Type: Salaried

About Us

BMO Financial Group’s Purpose is Boldly Grow the Good in business and life. We are driven by a shared Purpose: Boldly Grow the Good in business and life. It calls on us to create lasting, positive change for our customers, our communities and our people. By working together, innovating and pushing boundaries, we transform lives and businesses, and power economic growth around the world. As a member of the BMO team you are valued, respected and heard, and you have more ways to grow and make an impact. We strive to help you make an impact from day one – for yourself and our customers. We’ll support you with the tools and resources you need to reach new milestones, as you help our customers reach theirs.

Equal Employment Opportunity

BMO is committed to working with and providing reasonable accommodations to individuals with disabilities. If you need a reasonable accommodation because of a disability for any part of the employment process, please send an e-mail to BMOCareers.Support@bmo.com and let us know the nature of your request and your contact information. Note to Recruiters: BMO does not accept unsolicited resumes from any source other than directly from a candidate. Any unsolicited resumes sent to BMO, directly or indirectly, will be considered BMO property. BMO will not pay a fee for any placement resulting from the receipt of an unsolicited resume. A recruiting agency must first have a valid, written and fully executed agency agreement contract for service to submit resumes.