Credit Analyst Trainee

BMO U.S.

. Perform ongoing comprehensive client credit analysis for assigned client portfolios .

Posted 9/29/2026full-timeMississauga • CanadaEntry Level💰 CA$55,500 - CA$120,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in client credit analysis, risk management, and lending processes while effectively collaborating with stakeholders to deliver insights and recommendations. Proficient in data analysis, communication, and change management to support strategic initiatives and operational integrity.

Highest-signal resume keywords

Client Credit AnalysisCredit Risk PoliciesLending Process ExpertiseData-Driven Decision-MakingCommunication Skills

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit Qualification StandardsAdjudication ProceduresRisk Management FrameworkFinancial Health AssessmentChange ManagementData AnalysisOperational Program PlanningCredit InvestigationsPerformance MonitoringRegulatory Compliance

Soft Skills

Collaboration SkillsProblem-Solving SkillsInfluence SkillsVerbal CommunicationWritten Communication

Industry Keywords

Business Banking ProductsLending ProposalsFraud PreventionAnti-Money LaunderingAudit RequirementsConfidentialityStakeholder EngagementData Governance StandardsOperational IntegrityStrategic Initiatives

About the role

Key responsibilities & impact

Perform ongoing comprehensive client credit analysis for assigned client portfolios
Assess business entities’ overall financial health and credit risk within prescribed discretionary authority
Apply lending expertise to underwriting, funding, monitoring, or other parts of the lending process
Make credit decisions or provide timely advice to business banking relationship managers
Support strategic initiatives with internal and external stakeholders
Conduct independent analysis and resolve strategic issues
Analyze data and information to provide insights and recommendations
Coordinate databases in accordance with data governance standards
Build and execute change management plans and activities
Develop communication plans, tailored messaging, and distribution channels
Provide input into operational program planning and implementation
Deliver timely, accurate, and efficient service
Facilitate funding as an independent control point for legal and security documentation, where applicable
Analyze lending applications, identify deficiencies or exceptions, and recommend remedies
Confirm security valuations and complete or approve credit applications
Develop risk profiles, structure lending proposals, and complete credit investigations
Respond to audit and quality-check inquiries
Build relationships and alignment with internal and external stakeholders
Integrate information from multiple sources to improve processes, analysis, and reporting
Design and produce regular and ad-hoc reports and dashboards
Monitor and track performance and address issues
Follow security, safeguarding, fraud prevention, anti-money laundering, regulatory, legal, audit, and ethical requirements
Maintain confidentiality of customer and Bank information
Identify risks and take appropriate actions to maintain operational integrity
Liaise between clients and organizational departments to discuss issues, procedures, and product support
Apply BMO’s Risk Management Framework and make risk-informed decisions aligned with business strategy

Requirements

What you’ll need

Typically between 4–6 years of relevant experience
Post-secondary degree in related field of study or equivalent combination of education and experience
Advanced understanding of business banking products, lending process and directives, credit risk policies and standards, supporting processes, applicable legal and regulatory requirements, and Bank policies
Strong knowledge of credit qualification and adjudication standards, policies, and procedures
Technical proficiency gained through education and/or business experience
In-depth verbal and written communication skills
In-depth collaboration and team skills
In-depth analytical and problem-solving skills
In-depth influence skills
In-depth data-driven decision-making skills

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
Workplace accommodations available on request