Analyst, Special Account Management Unit

BMO U.S.

Analyst managing high-risk borrowing accounts to reduce loss exposure and advise stakeholders. Enhancing customer experience and mitigating risks through analysis and decision-making.

Posted 6/11/2026full-timeToronto • 🇨🇦 CanadaMid-LevelSenior💰 CA$56,000 - CA$103,500 per yearWebsite

About the role

Key responsibilities & impact

Delivers an exceptional customer experience for a defined portfolio of high risk borrowing accounts by applying expertise to reduce the Bank’s loss exposure and manage risks
Advises internal and external stakeholders on complex, high-risk credit risk transactions and mitigation strategies
Makes credit decisions/recommendations in accordance with sound credit-granting principles and in compliance with Bank Policy & Procedures
Works with stakeholders to deepen relationships and grow the overall profitability of the portfolio
Develops solutions and makes recommendations based on an understanding of the business strategy and stakeholder needs
Provides advice and guidance to assigned business/group on implementation of solutions
Monitors the financial and risk performance of account portfolio; performs financial and risk analysis of customer and account information to provide insights and recommendations on how to improve quality, liquidity and Bank’s security position
Documents decisions on credit transactions with rationale that can be understood and explained to customers
Identifies and advises on terms, conditions and collateral requirements for the transaction decision as well as alternative solutions
Keeps abreast of economic and market developments within the portfolio to inform decision making and credit risk policies
Maintains and enhances knowledge around lending issues, including loan structure, collateral, foreclosure, bankruptcy and the various regulations that directly impact the Bank
Provides credit risk coaching and advice to sales & service employees to increase awareness of risk, policy, and knowledge of structuring transactions
Supports the execution of strategic initiatives in collaboration with internal and external stakeholders
Builds effective relationships with internal/external stakeholders; includes legal and insolvency professionals and other consultants/advisors in the commercial business community
Gathers and formats data into regular and ad-hoc reports, and dashboards
Monitors and tracks performance and addresses any issues
Provides input into the planning and implementation of operational programs
Executes work to deliver timely, accurate, and efficient service
Focus is primarily on business/group within BMO; may have broader, enterprise-wide focus
Exercises judgment to identify, diagnose, and solve problems within given rules
Works independently on a range of complex tasks, which may include unique situations
Broader work or accountabilities may be assigned as needed.
Take measured risks while protecting the bank by applying our Risk Management Framework in the execution of your role, in line with our Risk Culture and within our approved Risk Appetite, making sound and risk informed decisions that align to business strategy, protect assets, and adhere to applicable policy documents (Frameworks, Policies, Standards, Procedures and Supporting documents), laws and regulations.

Requirements

What you’ll need

Typically between 4 - 6 years of relevant experience
post-secondary degree in related field of study or an equivalent combination of education and experience
Credit Qualifications and associated credit knowledge and skills according to the established qualification standards
In-depth knowledge of banking products & services
In-depth knowledge of industry trends and regulations
In-depth knowledge of credit portfolio management policies & procedures, and financing guidelines
Technical proficiency gained through 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
Data driven decision making - In-depth

Benefits

Comp & perks

health insurance
tuition reimbursement
accident and life insurance
retirement savings plans

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

credit risk analysisfinancial analysiscredit decision makingrisk managementcredit portfolio managementdata analysisreportinglending issues knowledgeloan structure knowledgecollateral management

Soft Skills

customer experiencestakeholder managementcommunication skillscollaboration skillsanalytical skillsproblem solving skillsinfluence skillsrelationship buildingindependent workjudgment

Certifications

Credit Qualifications