Senior Commercial Portfolio Analyst

Application Deadline:

06/29/2026

Address: 401 N Executive Drive

Job Family Group: Commercial Sales & Service

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

May 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

Involved in ongoing covenant and trigger covenant compliance, including QC, review, and approval of calculations performed by offshore resources

Qualifications:

BMO Credit Qualifications and associated credit knowledge and skills according to the credit portfolio requirements and qualification standards.

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 have work experience is considered.

Technical proficiency gained through education and/or business experience.

Intermediate level of proficiency:

Problem Solving

Collaboration

Detail-Oriented

Portfolio Management

Credit Risk Assessment

Advanced level of proficiency:

Operations

Financial Analysis

Salary:

$69,000.00 - $127,800.00

Pay Type: Salaried

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 details of our benefits, please visit: https://jobs.bmo.com/global/en/Total-Rewards