Credit Analyst, Commercial Banking

Application Deadline:

11/10/2026

Address:

595 Burrard Street

Job Family Group:

Commercial Sales & Service

BMO's Real Estate Finance Group is a specialized commercial banking team that provides construction financing, commercial mortgages, development loans, and investment property financing to builders, developers, and real estate investors across Canada. With dedicated industry expertise and regional market coverage, the team supports projects ranging from residential and multi-unit developments to commercial, industrial, and mixed-use properties.

The Credit Analyst, Real Estate Finance will facilitate decisioning and analysis of all types of credit information to support real estate related 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 support the development of credit recommendations in accordance with sound credit-granting principles and in compliance with Bank Policies & Procedures.

• Focus on construction & development financing as well as commercial mortgage/term lending
• Underwriting of new business transactions & annual reviews
• Understanding of real estate asset classes (residential, industrial, office, and retail)
• Applies expertise in bank products, processes and systems and effectively trouble shooting to ensure a high-quality client experience.
• Influences and negotiates to achieve business objectives.
• Serves as a daily escalation resource to ensure client expectations are met or exceeded.
• Acts as the real estate subject matter expert in support of internal/external stakeholders.
• May coordinate closings with closing department, clients and attorneys.
• Recommends and implements solutions based on analysis of issues and implications for the business.
• Conducts independent analysis and assessment to support credit adjudication.
• Develops monthly action plans relating to portfolio management to prioritize key deliverables on annual reviews and new business transactions in association with the account management team.
• Designs and produces regular and ad-hoc reports, and dashboards.
• Oversees preparation of concise, well-reasoned credit correspondence.
• Oversees documentation and ongoing monitoring of asset and client performance.
• Provides accurate financial analysis and risk assessment of new and existing customers.
• Partners with internal stakeholders for accurate, detailed client information.
• Prepares summary, present facts and offer opinions concerning credit transactions under review.
• Minimizes BMO’s risk exposure by adhering to internal credit policies and procedures with respect to lending decisions.
• Builds effective relationships with internal/external stakeholders.
• Exercise’s judgment to identify, diagnose, and solve problems within given rules.
• Works independently and regularly handles non-routine situations.
• Broader work or accountabilities will be assigned as needed.

Qualifications:

• Preferred 3 – 4 years of relevant experience in credit or lending instruments or financial operations in a corporate or banking environment.
• Bachelor’s degree required; Business Administration, Finance and Accounting preferred. Any other related discipline or commensurate work experience considered.
• Strong knowledge and technical proficiency gained through education and business experience.
• Verbal & written communication skills - In-depth.
• Collaboration & team skills - In-depth.
• Analytical and problem-solving skills - In-depth.
• Influence skills - In-depth.
• Data driven decision making - In-depth.
• Strong Microsoft Excel capabilities
• Effective business writing and communications capabilities

Salary:

$55,500.00 - $120,000.00

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 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: https://jobs.bmo.com/global/en/Total-Rewards

About Us

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 – for yourself and our customers. We’ll 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’ll help you gain valuable experience, and broaden your skillset.

To find out more visit us at https://jobs.bmo.com/ca/en.

BMO is committed to an inclusive, equitable and accessible workplace. By learning from each other’s differences, we gain strength through our people and our perspectives. 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.