Job Description

Application Deadline: 09/29/2023

Address: 1230 Peachtree Street

Job Family Group: Commercial Sales & Service

You are a great communicator, team player, self-motivated, detail-oriented, critical thinker with excellent analytical skills, strong work ethic, relationship building skills and a passion for Commercial Banking.

Our Commercial Banking Credit Analyst Internship is an exciting opportunity to learn the fundamentals of commercial lending through credit analysis and risk assessment.

As an intern, you will have the opportunity to be heard, keep growing and make a difference. You will build your BMO network, participate in learning and development sessions, and work with experienced leaders. The internship is considered an initial interviewing step for full time placement upon graduation.

We are actively seeking students enrolled in an undergraduate degree program, graduating December 2024 or Spring 2025.

This role is located in Atlanta.

Please ensure the following items are submitted in your application:

- Resume

- Transcript (unofficial)

Facilitates decisioning and analysis of all types of credit information to support lending decisions and processes for the bank. Maintains and promotes a client service environment to satisfy and exceed customer needs and expectations. This role will make credit decisions and recommendations in accordance with sound credit-granting principles and in compliance with Bank Policies & Procedures.

• Acts timely, efficiently and independently, taking ownership of client satisfaction.
• May include focused calling and pipeline management activities.
• Provides advice and guidance to assigned business/group on implementation of solutions.
• Breaks down strategic problems, and analyses data and information to provide insights and recommendations.
• Conducts thorough analysis of client capital and credit risk.
• Provides accurate financial analysis and risk assessment of new and existing customers.
• Partners with internal stakeholders for accurate, detailed client information.
• Develops credit information to make lending decisions on new, renewal and extension loans.
• Assists in negotiations of terms and conditions of all decisions made via phone and e-mail interaction with clients.
• Prepares summary, present facts and offer opinions concerning credit worthiness.
• Minimizes BMO\xe2\x80\x99s risk exposure by adhering to internal credit policies and procedures with respect to lending decisions.
• Provides input into the planning and implementation of operational programs.
• Builds effective relationships with internal/external stakeholders.
• 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.

Qualifications: * Typically 3 - 5 years of relevant experience and post-secondary degree in related field of study or an equivalent combination of education and experience.

• Typically 3 - 5 years of previous Commercial Loan and Credit analyst experience required; however as part of the BMO campus program, we are looking for motivated students with a strong desire to learn.
• In depth specific functional knowledge and broad business knowledge.
• Strong analytical skills.
• Exceptional skills in quantitative analytics and credit analysis skills.
• Highly developed written and oral communication skills.
• Strong proficiency in Microsoft Office products and the Internet.
• Strong interpersonal skills.
• Ability to work under limited supervision.
• Basic understanding of risk management concepts
• Ability to learn and adapt quickly.
• Excellent capability to independently and proactively service multiple clients.
• Specialized knowledge from education and/or business experience.
• Verbal & written communication skills - In-depth.
• Collaboration & team skills - In-depth.
• Analytical and problem solving skills - In-depth.
• Influence skills - In-depth.

Compensation and Benefits:

$45,400.00 - $64,850.00

The base salary represents BMO Financial Group\xe2\x80\x99s hiring range for this position. Actual salaries will vary and will be based on various factors, such as location, skills, experience, and qualification for the role. Salaries for part-time roles will be pro-rated based on number of hours regularly worked.

Base salary is one component of BMO Financial Group\xe2\x80\x99s total compensation package for employees, which may include performance-based incentives, commissions or discretionary bonuses, as well as other perks and rewards. BMO also offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans. To view more details of our benefits, please visit: .

We\xe2\x80\x99re here to help

At BMO we are driven by a shared Purpose: Boldly Grow the Good in business and life. It calls on us to create lasting, positive change for our customers, our communities and our people. By working together, innovating and pushing boundaries, we transform lives and businesses, and power economic growth around the world.

As a member of the BMO team you are valued, respected and heard, and you have more ways to grow and make an impact. We strive to help you make an impact from day one \xe2\x80\x93 for yourself and our customers. We\xe2\x80\x99ll support you with the tools and resources you need to reach new milestones, as you help our customers reach theirs. From in-depth training and coaching, to manager support and network-building opportunities, we\xe2\x80\x99ll help you gain valuable experience, and broaden your skillset.

To find out more visit us at

BMO is committed to an inclusive, equitable and accessible workplace. By learning from each other\xe2\x80\x99s differences, we gain strength through our people and our perspectives. BMO is an equal opportunity/affirmative action employer. All qualified applicants will receive consideration for employment without regard to sex, gender identity, sexual orientation, race, color, religion, national origin, disability, protected Veteran status, age, or any other characteristic protected by law. Accommodations are available on request for candidates taking part in all aspects of the selection process. To request accommodation, please contact your recruiter.

Note to Recruiters: BMO does not accept unsolicited resumes from any source other than directly from a candidate. Any unsolicited resumes sent to BMO, directly or indirectly, will be considered BMO property. BMO will not pay a fee for any placement resulting from the receipt of an unsolicited resume. A recruiting agency must first have a valid, written and fully executed agency agreement contract for service to submit resumes.

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