Associate, Commercial Banking - Dealer Finance

Analyzes credit information to support lending decisions and processes for new and existing commercial banking loans and credit solutions within an assigned portfolio of clients. Makes credit decisions and recommendations in compliance with bank policies and procedures while maintaining an exceptional client service environment. Responsibilities Performs financial analysis and calculations, assesses client creditworthiness, prepares detailed credit summaries, analyzes financial performance and risk profiles of clients within the portfolio. Utilizes financial models and analytical tools to assess client repayment capacity and recommend appropriate loan structures and collateral. Supports credit‑granting decisions by making recommendations to manager. Supports portfolio monitoring and compliance, identifying deteriorating credit conditions and ensuring compliance. Analyzes metrics and assesses industry trends to spot risks and opportunities. Supports the negotiation of loan terms and conditions and the structuring of loans that align with client requirements and ensure compliance with the bank’s risk appetite and policies. Develops proposals to capture new business and expand client relationships. Builds and maintains client relationships to ensure long‑term financial performance in collaboration with the 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 portfolio performance for assigned 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 and 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 proactively. Manages timely and accurate data entry into BMO’s systems and leverages the data to support decision‑making. Focus is primarily on business/group within BMO; may have broader, enterprise‑wide focus. Exercises judgment to identify, diagnose, and solve problems within given rules. Works independently on a range of complex tasks, which may include unique situations. Broader work or accountabilities may be assigned as needed. Takes measured risks while protecting the bank by applying our Risk Management Framework, aligning decisions to business strategy, protecting assets, and adhering to applicable policies, laws, and regulations. Qualifications Preferred 3 – 4 years of relevant experience in credit or lending instruments or financial operations in a corporate or banking environment. If a Credit‑Qualifiable job, 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. Other related disciplines or comparable work experience are considered. Technical proficiency gained through education and/or business experience. Intermediate Level of Proficiency Problem Solving Collaboration Detail‑Oriented Analytical Thinking Loan Structuring Regulatory Compliance Portfolio Management Credit Risk Assessment Banking Operations Microsoft Office Advanced Level of Proficiency Data analysis tools Financial analysis Salary $69,000.00 – $127,800.00 Pay Type Salaried BMO also offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans. To view more details of our benefits, please visit: 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. 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 BMO