Senior Commercial Portfolio Analyst

Responsibilities Analyze and prepare credit information to support lending decisions for new and existing commercial banking loans and credit solutions within an assigned client portfolio. Deliver policy‑compliant credit recommendations while leading projects and initiatives focused on enhancing credit quality, optimizing ROE, and maintaining exceptional client service across USCB. Minimizes BMO’s risk exposure by adhering to internal credit policies and procedures with respect to lending decisions, regulatory standards, and operational guidelines. Strong operational understanding of commercial loan agreements, including structure, repayment terms, covenants, collateral, and amendments. Independently perform/approve financial covenant compliance calculations and verify collateral margining to assess credit quality and borrowing base availability. Lead and support project management initiatives in collaboration with LOBs, offshore partners, Risk/Control, and other stakeholders to strengthen compliance, governance, product capabilities, and operational efficiency. May manage workflow of other analysts by aligning tasks with departmental goals and objectives, and assume oversight responsibility for support of a business or group, or serve as the primary owner for a key team accountability or product/service. Prepare basic financial performance metrics from client financial statements to support informed credit decisions by deal teams and remain involved in ongoing covenant and trigger covenant compliance, including QC, review, and approval of calculations performed by offshore resources. Qualifications Preferred 3 – 5 years of relevant experience in credit or lending or financial operations in a corporate or banking environment. Must have Commercial Banking experience. Must have experience with Compliance and financial, credit and risk analysis. Must have experience with borrowing base verification calculation. Bachelor’s degree required; Business Administration, Finance and Accounting preferred. Any other related discipline or work experience is considered. Technical proficiency gained through education and/or business experience. Intermediate level of proficiency: Problem Solving, Detail‑Oriented. Advanced level of proficiency: Operations. Pay $69,000.00 – $127,800.00 Pay Type: The above represents BMO Financial Group’s pay range and type. Salaries will vary based on factors such as location, skills, experience, education, and qualifications for the role, and may include a commission structure. Salaries for part‑time roles will be pro‑rated based on number of hours regularly worked. For commission roles, the salary listed above represents BMO Financial Group’s expected target for the first year in this position. BMO Financial Group’s total compensation package will vary based on the pay type of the position and may include performance‑based incentives, discretionary bonuses, as well as other perks and rewards. BMO also offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans. To view more details of our benefits, please visit Benefits BMO also offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans. Additional benefits include performance‑based incentives, discretionary bonuses, and other perks. EEO Statement BMO is proud to be an 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, status as a protected veteran, status as an individual with a disability, or any other legally protected characteristics. We also consider applicants with criminal histories, consistent with applicable federal, state and local law. Reasonable Accommodation 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 View email address on click.appcast.io and let us know the nature of your request and your contact information. #J-18808-Ljbffr