Associate, Business Property Finance - Ccb

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.

• Coordinates the preparation of lending proposals and pitches to prospective clients with efforts to maximize penetration and returns.
• Conducts independent analysis and assessment to resolve strategic issues.
• Establishes cross-selling initiatives to increase penetration with client.
• Applies deep expertise in bank products, processes and systems and effectively trouble shooting to ensure a high-quality client experience.
• 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.
• Works independently and regularly handles non-routine situations.
• Exercises judgment to identify, diagnose, and solve problems within given rules.
• Designs and produces regular and ad-hoc reports, and dashboards.
• Oversees documentation and ongoing monitoring of asset and client performance.
• Builds effective relationships with internal/external stakeholders.
• Broader work or accountabilities may be assigned as needed. Qualifications:
• Influences and negotiates to achieve business objectives.
• May manage work flow of other analysts by aligning tasks with departmental goals and objectives.
• Provides accurate financial analysis and risk assessment of new and existing customers.
• Provides specialized consulting, analytical and technical support.
• Leads or participates in defining the communication plan designed to positively influence or change behaviour; develops tailored messaging; and identifies appropriate distribution channels.
• Focus is primarily on business/group within BMO; may have broader, enterprise-wide focus.
• 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.
• Data driven decision making - In-depth.
• Acts as a trusted advisor to assigned business/group.
• Develops credit information to make lending decisions on new, renewal and extension loans.
• May coordinate closing with closing department, clients and attorneys.
• Assists in negotiations of terms and conditions of all decisions made via phone and e-mail interaction with clients.
• Oversees preparation of concise, well reasoned credit correspondence.
• Minimizes BMO’s risk exposure by adhering to internal credit policies and procedures with respect to lending decisions.
• Verbal & written communication skills - In-depth.
• Deep knowledge and technical proficiency gained through extensive education and business experience.
• Recommends and implements solutions based on analysis of issues and implications for the business.
• Provides input into the planning and implementation of operational programs.
• Prepares summary, present facts and offer opinions concerning credit worthiness.
• Influence skills - In-depth.
• Maintains current on financing trends in target clients' markets, and communicate same to team members.
• Analytical and problem solving skills - In-depth.
• Collaboration & team skills - In-depth.
• Negotiates transactions with clients and provides deal structuring expertise.
• Serves as a daily escalation resource to ensure client expectations are met or exceeded.
• Partners with internal stakeholders for accurate, detailed client information.

We’re 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 – 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.