Commercial Credit Associate – Not for Profit & Government Banking

BMO U.S.

. Analyze credit information to support lending decisions for new and existing Commercial banking loans and credit solutions .

Posted 11/6/2026full-timeNewport Beach • California • United StatesMid-Level💰 $65,000 - $140,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in financial analysis, credit risk assessment, and loan structuring while maintaining compliance with regulatory standards. Proven ability to build client relationships and support credit-granting decisions through detailed analysis and recommendations.

Highest-signal resume keywords

Financial AnalysisCredit Risk AssessmentLoan StructuringRegulatory CompliancePortfolio Management

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit AnalysisFinancial ModelingRisk AssessmentData AnalysisCredit QualificationsAnalytical ThinkingDetail-Oriented WorkProblem SolvingLoan Terms NegotiationCredit Solutions

Soft Skills

CollaborationClient Relationship ManagementCommunicationNegotiationService Quality Enhancement

Tools & Technologies

Microsoft OfficeFinancial Analysis ToolsAnalytical ToolsBMO Systems

Industry Keywords

Commercial BankingLending InstrumentsFinancial OperationsBanking EnvironmentRisk Management Framework

About the role

Key responsibilities & impact

Analyze credit information to support lending decisions for new and existing Commercial banking loans and credit solutions
Perform financial analysis and calculations, assess client creditworthiness, and prepare detailed credit summaries
Analyze financial performance and risk profiles of portfolio clients
Utilize financial models and analytical tools to assess repayment capacity and recommend loan structures and collateral
Support credit-granting decisions by making recommendations to the manager
Monitor portfolio performance and compliance to identify deteriorating credit conditions
Analyze metrics and industry trends to identify risks and opportunities
Support negotiation of loan terms and conditions and structure compliant loans
Develop proposals to capture new business and expand client relationships
Build and maintain client relationships in collaboration with the Relationship Manager and business partners
Structure and support new, renewal, and extension loans
Conduct ongoing financial analysis and risk assessments
Take corrective action when required and minimize BMO’s risk exposure
Serve as a point of contact for service requests and escalate issues when needed
Support initiatives to enhance service quality, acquire new business, and expand client relationships
Identify revenue, cross-selling, and share-of-wallet opportunities
Leverage analysis tools to grow a portfolio exceeding ROE thresholds and evaluate client returns
Maintain timely and accurate data entry in BMO systems
Apply BMO’s Risk Management Framework and make risk-informed decisions aligned with policies, laws, and regulations

Requirements

What you’ll need

Preferred 3 – 4 years of relevant experience in credit or lending instruments or financial operations in a corporate or banking environment
Bachelor’s degree required; Business Administration, Finance and Accounting preferred
Any other related discipline or commensurate work experience considered
Credit Qualifications and associated credit knowledge and skills according to the credit portfolio requirements and qualification standards, if a Credit Qualifiable job
Technical proficiency gained through education and/or business experience
Intermediate proficiency in problem solving, collaboration, detail-oriented work, analytical thinking, loan structuring, regulatory compliance, portfolio management, credit risk assessment, banking operations, and Microsoft Office
Advanced proficiency in data analysis tools and financial analysis

Benefits

Comp & perks

Performance-based incentives
Discretionary bonuses
Health insurance
Tuition reimbursement
Accident and life insurance
Retirement savings plans
In-depth training and coaching
Manager support
Network-building opportunities
Tools and resources to reach new milestones
Reasonable accommodations for individuals with disabilities