Portfolio Analyst

Application Deadline :

04 / 02 / 2026

Address :

61 boul Rene-Levesque ouest

Job Family Group :

Commercial Sales & Service

Analyzes credit information to support lending decisions and processes for new and existing Commercial banking loans and credit solutions in an assigned portfolio of clients. Makes credit decisions and recommendations in compliance with bank policies and procedures while maintaining an exceptional client service environment.

Performs financial analysis and calculations, assesses client creditworthiness, prepares detailed credit summaries, analyses financial performance and risk profiles of clients within the portfolio.

Supports credit-granting decisions by making recommendations to manager

Supports the negotiation of loan terms and conditions and the structuring of loans that align with client requirements and ensure compliance with the banks risk appetite and policies.

Supports portfolio monitoring and compliance, analyses metrics, and assesses industry trends to spot risks and opportunities.

Develops proposals to capture new business and expand client relationships.

Monitors loan performance, accuracy and integrity of loan documentation and addresses credit-related issues while ensuring the accuracy and integrity of loan documentation.

Builds and maintains client relationships to ensure long-term financial performance in collaboration with 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 the portfolio performance for assigned portfolio of 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. 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 on a proactive basis.

Manages timely and accurate data entry into BMO's systems and leverages the data to support decision-making.

Focus may be on a business / group.

Thinks creatively and proposes new solutions.

Exercises judgment to identify, diagnose, and solve problems within given rules.

Works mostly independently.

Broader work or accountabilities may be assigned as needed.

Take measured risks while protecting the bank by applying our Risk Management Framework in the execution of your role, in line with our Risk Culture and within our approved Risk Appetite, making sound and risk informed decisions that align to business strategy, protect assets, and adhere to applicable policy documents (Frameworks, Policies, Standards, Procedures and Supporting documents), laws and regulations.

Qualifications :

Preferred 1 - 3 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. Any other related discipline or commensurate work experience considered.

Specialized knowledge from education and / or business experience.

Foundational level of proficiency :

Problem Solving

Collaboration

Detail-Oriented

Customer Service

Analytical Thinking

Intermediate level of proficiency :

Financial Analysis

Loan Structuring

Data analysis tools

Regulatory Compliance

Portfolio Management

Credit Risk Assessment

Banking Operations

Microsoft OfficE

You’re fluent in French and

English as this role provides support to clients and team members inside and / or outside the province of Quebec

Salary :

45,500.00 - $84,500.00

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 reward