About This Role
Managing a commercial client portfolio within the Dealership Finance – Auto Industry segment is the main focus of this financial analyst role. The analyst supports lending decisions for new and existing commercial banking relationships by analyzing financial and credit information. The role involves providing credit recommendations that align with bank policies and risk management standards, while also ensuring a strong client service environment.
Responsibilities
- Perform Income Statement, Balance Sheet, and Cash Flow analysis, including cash flow/debt service coverage and operating leverage analysis
- Spread financials and support underwriting processes with detailed financial insights
- Utilize the bank’s proprietary risk model to assess borrower default and repayment risk
- Apply the bank’s proprietary return model to evaluate client return on allocated capital
- Track monthly financial statements, covenant compliance certificates, and borrowing base reports
- Perform periodic covenant compliance testing
- Complete annual reviews to assess financial performance and covenant adherence
- Collaborate with the deal team to prepare underwriting for new business opportunities
- Structure and support renewals, amendments, and loan requests aligned with client needs and bank/risk policies
- Minimize risk exposure by adhering to credit policies, regulatory standards, and operational guidelines
Requirements
- Bachelor’s degree in Accounting, Finance, Economics, or Business Administration
- Completion of a Commercial Credit Underwriting Program
- Minimum 2 to 3 years of relevant Commercial Credit Underwriting experience within a commercial banking environment
- High proficiency in Microsoft Excel
Nice to have:
- MBA in Accounting, Finance, Economics, Business Administration, Financial Analysis, or Commercial Banking
- Experience within Dealer Finance commercial lending
Benefits
- Performance-based incentives
- Discretionary bonuses
- Other perks and rewards
- Health insurance
- Tuition reimbursement
- Accident and life insurance
- Retirement savings plans
Important Details
- Application deadline: 10/29/2026
About the Company
BMO is driven by a shared purpose to boldly grow the good in business and life, creating lasting, positive change for customers, communities, and people. The company works together to innovate and push boundaries, transforming lives and businesses, and powering economic growth around the world. As a member of the BMO team, employees are valued, respected, and heard, with opportunities to grow and make an impact from day one through in-depth training, coaching, manager support, and network-building.
