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Capital Mrkts Sales & Service
BMO Capital Markets is a leading, full-service financial services provider. We offer corporate and investment banking, treasury management, as well as research and advisory services to clients around the world. #bmocapitalmarkets
The Analyst will be part of the Global Markets Corporate Banking Securitization team, which is responsible for underwriting and account management of securitization and other structured finance transactions across a wide variety of asset classes, including (but not limited to) automobile loans and leases, equipment loans, student loans, credit cards, consumer installment loans, residential mortgage-backed securities, commercial mortgage-backed securities, and leveraged loans for U.S. and Canadian clients. The Analyst will support Account Management by providing due diligence and credit analysis on current and prospective clients and by making approval recommendations regarding deal structures and exposure amounts. The Analyst will also support a range of other portfolio management responsibilities.
Credit Risk and Financial Analyses
- Prepare concise, accurate and well-reasoned written credit applications and memoranda for both new and existing transactions for presentation to Credit.
- Conduct credit risk analysis of securitization transactions using all available sources of information including, but not limited to servicer reports, cash flow models, financial statements, servicer audits, legal documentation, etc.
- Determine estimated capital for current and prospective securitization transactions using the bank’s capital models.
- Conduct due diligence that includes on-site client visits and conference calls, analysis of business models, and comprehensive review of industry trends and related regulations.
- Analyze transactions for structural strengths and weaknesses and structure appropriately to mitigate weaknesses.
- Research and analyze financial and operating information relating to companies and industries.
- Assess financial soundness of counterparties and underlying securitization assets including appropriate debt levels, debt service, historic financial performance and repayment capabilities.
- Perform financial statement analysis including completion of spreading software (MRA).
- Review documentation for conformity with approved Credit terms and conditions.
- Keep abreast of industry trends and regulatory developments.
Portfolio Management Support
- Assist Account Managers in managing a diverse portfolio of accounts, including preparing concise credit reviews (as needed, at least annually) within required timeframes and continuously monitoring transaction performance and the financial performance of clients and their respective industries.
- Provide analytical findings to Account Management team including input on credit risks and related mitigants.
- Maintain current financial performance information on clients and securitization transactions in order to perform timely annual reviews, financial covenants, and internal trigger monitoring.
- Assist Account Managers in development of presentations or ad-hoc portfolio updates for relevant credit partners.
- Support Account Managers with portfolio management needs for the business.
- Participate in decision-making with clients and internal product group partners.
- Expert knowledge of Bank policies and standards to ensure portfolio adheres to BMO’s policies and procedures, especially as they pertain to the securitization product.
- Review and negotiation of legal documentation.
- Monitor exposure across different BMO clients and products.
- Assist in AML/KYC processing and obtain any pending required documentation.
Partnership Efforts
- Liaise with Global Markets areas and with various lines of business and operational areas of the Bank as required.
- Support Global Markets areas on portfolio management needs and growth initiatives of the business.
- Participate in deal teams to negotiate structure and documentation for securitization transactions.
- Assist in updating Financing Guidelines.
- Participate in projects as required.
Qualifications
- An undergraduate degree with outstanding academic achievement. Specific academic coursework in finance, economics, or accounting.
- 0–3 years of relevant experience (e.g., credit, structured finance, capital markets, or related analytical roles); formal credit training preferred.
- Analysts typically remain in this role for 1–3 years before advancing to the next level.
- Credit analysis experience and understanding are preferred; Global Markets–specific training will be provided.
- Knowledge of capital markets, investment banking products and applicable regulations.
- Knowledge of organizational lending and portfolio management policies and objectives.
- Excellent analytical skills to include business, financial, and credit analysis areas.
- Highly developed written and oral communication skills.
- Strong interpersonal skills used within a collaborative and demanding team environment.
- Expertise in financial computer applications and database management tools including MS Excel, Moody’s, Capital IQ and Bloomberg.
- Strong proficiency in other Microsoft Office products including MS Word and PowerPoint.
- Self-starter with keen attention to detail and ability to work under limited supervision.
- Ability to be creative, insightful, and resourceful in performance of duties.
- Strong ability to attentively review, assess, and provide detailed information daily on multiple projects in an organized manner.
- Excellent capability to independently function as part of a team through self-motivation.
- Proficiency in building cash flow and other financial models is beneficial.
Please note the base salary for this role is $95,000 CAD .
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.
