Senior Credit Analyst

4 weeks ago

Chicago, Illinois, United States BMO Financial Group Full time
Job Summary

We are seeking a highly skilled Senior Credit Analyst to join our Commercial Banking team at BMO Financial Group. As a key member of our team, you will be responsible for facilitating decisioning and analysis of all types of credit information to support lending decisions and processes.

Main Responsibilities:

  • Establishes cross-selling initiatives to increase penetration with clients.
  • Applies deep expertise in bank products, processes, and systems to ensure a high-quality client experience.
  • Maintains and promotes a client service environment to satisfy and exceed customer needs and expectations.
  • Coordinates closing with closing department, clients, and attorneys.
  • Serves as a daily escalation resource to ensure client expectations are met or exceeded.
  • Acts as a trusted advisor to assigned business/group.
  • Influences and negotiates to achieve business objectives.
  • Recommends and implements solutions based on analysis of issues and implications for the business.
  • Conducts independent analysis and assessment to resolve strategic issues.
  • Helps determine business priorities and best sequence for execution of business/group strategy.
  • Acts as the prime subject matter expert for internal/external stakeholders.
  • Participates in the development of financial models and other analytical tools to assist clients in evaluating capital structure.
  • Designs and produces regular and ad-hoc reports, and dashboards.
  • Maintains current on financing trends in target clients' markets, and communicates same to team members.
  • Leads or participates in defining the communication plan designed to positively influence or change behaviour; develops tailored messaging; and identifies appropriate distribution channels.
  • Oversees preparation of concise, well-reasoned credit correspondence.
  • Coordinates the preparation of lending proposals and pitches to prospective clients with efforts to maximize penetration and returns.
  • Negotiates transactions with clients and provides deal structuring expertise.
  • Oversees documentation and ongoing monitoring of asset and client performance.
  • May manage workflow of other analysts by aligning tasks with departmental goals and objectives.
  • 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, presents facts, and offers opinions concerning credit worthiness.
  • Minimizes BMO's 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.
  • Builts effective relationships with internal/external stakeholders.
  • Focus is primarily on business/group within BMO; may have broader, enterprise-wide focus.
  • Provides specialized consulting, analytical, and technical support.
  • Exercises judgment to identify, diagnose, and solve problems within given rules.
  • Works independently and regularly handles non-routine situations.
  • Broad work or accountabilities may be assigned as needed.

Qualifications:

  • Typically between 5 - 7 years of relevant experience and post-secondary degree in related field of study or an equivalent combination of education and experience.
  • Underwriting experience.
  • Deep knowledge and technical proficiency gained through extensive 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.

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