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Job description
The Commercial Financial Analyst will manage a commercial client portfolio within the Dealership Finance – Auto Industry segment. The portfolio will consist of 10–15 clients with total commercial credit exposure exceeding $500 million.
nIn this role, the Commercial Financial Analyst analyzes financial and credit information to support lending decisions for new and existing commercial banking relationships. The analyst provides credit recommendations in alignment with bank policies and risk management standards while maintaining a strong client service environment.
nKey Responsibilities:
nnnFinancial Analysis
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nnPerform Income Statement, Balance Sheet, and Cash Flow analysis, including cash flow/debt service coverage and operating leverage analysis.
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nnSpread financials and support underwriting processes with detailed financial insights.
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nnRisk & Return Modeling
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nnUtilize the bank’s proprietary risk model to assess borrower default and repayment risk.
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nnApply the bank’s proprietary return model to evaluate client return on allocated capital.
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nnOngoing Portfolio Management
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nnTrack monthly financial statements, covenant compliance certificates, and borrowing base reports.
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nnPerform periodic covenant compliance testing.
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nnComplete annual reviews to assess financial performance and covenant adherence.
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nnUnderwriting & Deal Support
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nnCollaborate with the deal team to prepare underwriting for new business opportunities.
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nnStructure and support renewals, amendments, and loan requests aligned with client needs and bank/risk policies.
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nnCredit Policy & Risk Management
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nnMinimize risk exposure by adhering to credit policies, regulatory standards, and operational guidelines.
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n nMinimum Qualifications:
nnnEducation – Bachelor’s degree in Accounting, Finance, Economics, or Business Administration.
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nnTraining – Completion of a Commercial Credit Underwriting Program.
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nnUnderwriting Experience – Minimum 2 to 3 years of relevant Commercial Credit Underwriting experience within a commercial banking environment.
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n nPreferred Qualifications:
nnnEducation – MBA in Accounting, Finance, Economics, Business Administration, Financial Analysis, or Commercial Banking.
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nnUnderwriting Experience – Experience within Dealer Finance commercial lending.
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n nTechnical & Skill Requirements
nnHigh proficiency in Microsoft Excel.
n nSalary:
n$55,000.00 - $110,000.00
nPay Type:
nSalaried
nThe above represents BMO Financial Group’s pay range and type.
nSalaries 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.
nBMO 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:
nAbout Us
nAt 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.
nAs 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.
nTo find out more visit us at
nBMO is proud to be an equal employment opportunity employer. We evaluate applicants without regard to race, religion, color, national origin, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, transgender status, sexual stereotypes, age, status as a protected veteran, status as an individual with a disability, or any other legally protected characteristics. We also consider applicants with criminal histories, consistent with applicable federal, state and local law.
nBMO is committed to working with and providing reasonable accommodations to individuals with disabilities. If you need a reasonable accommodation because of a disability for any part of the employment process, please send an e-mail to and let us know the nature of your request and your contact information.
nNote 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.
Worksite address
chicago, IL, 60290, US
Who can apply
Review the original listing for work authorization, qualifications and employer requirements.