BMO is one of the largest banks in North America, and they are seeking a Commercial Banking Credit Analyst Intern for Summer 2026. This role offers the opportunity to develop financial analysis and credit assessment skills while supporting lending decisions and building client relationships.
Responsibilities
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 and makes recommendations to Manager.
Supports portfolio monitoring and compliance, analyses metrics, and assesses industry trends to spot risks and opportunities.
Prepares detailed credit summaries to assess creditworthiness and support decision making.
Provides content and support for proposals and presentations to capture new business and expand client partnerships.
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.
Completes complex & diverse tasks within given rules/limits and may include handling escalations from other employees.
Analyzes issues and determines next steps.
Broader work or accountabilities may be assigned as needed.
Qualification
Required
Enrolled in an undergraduate degree program, graduating Spring 2027.
Motivated students with a strong desire to learn.
Foundational level of proficiency in Financial Analysis.
Foundational level of proficiency in Loan Structuring.
Foundational level of proficiency in Data Analysis Tools.
Foundational level of proficiency in Regulatory Compliance.
Foundational level of proficiency in Portfolio Management.
Foundational level of proficiency in Credit Risk Assessment.
Foundational level of proficiency in Banking Operations.
Foundational level of proficiency in Microsoft Office.
Foundational level of proficiency in Problem Solving.
Foundational level of proficiency in Collaboration.
Foundational level of proficiency in Detail-Oriented.
Foundational level of proficiency in Analytical Thinking.
Preferred
A preferred minimum GPA of 3.2/4.0.
A preferred minimum of two undergraduate finance and accounting classes or an equivalent combination of education and experience.
Relevant experience in credit or lending instruments or financial operations in a corporate or banking environment is an asset.
Health insurance
Tuition reimbursement
Accident and life insurance
Retirement savings plans
We’re a bank, but there’s more to it than that. When you join BMO, it opens a world of opportunities.
