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BMO Financial Group Agriculture Analyst in Windsor, Ontario

Address:

1399 Grand Marais Rd West

Job Family Group:

Commercial Sales & Service

Performs ongoing comprehensive client credit analysis for an assigned number of client portfolios to assess the business entity’s overall financial health and credit risk using discretionary authority within prescribed limits. Makes credit decisions or provides timely advice to the business banking relationship manager for action in compliance with internal controls and audit, regulatory, and Bank policies and procedures.

  • Exercises judgment to identify, diagnose, and solve problems within given rules.

  • Supports the execution of strategic initiatives in collaboration with internal and external stakeholders.

  • Helps determine business priorities and best sequence for execution of business/group strategy.

  • Conducts independent analysis and assessment to resolve strategic issues.

  • Breaks down strategic problems, and analyses data and information to provide insights and recommendations.

  • Coordinates the management of databases; ensures alignment and integration of data in adherence with data governance standards.

  • Builds change management plans of varying scope and type; leads or participates in a variety of change management activities including readiness assessments, planning, stakeholder management, execution, evaluation, and sustainment of initiatives.

  • Leads or participates in defining the communication plan designed to positively influence or change behaviour; develops tailored messaging; and identifies appropriate distribution channels.

  • Provides input into the planning and implementation of operational programs.

  • Executes work to deliver timely, accurate, and efficient service.

  • Analyzes lending applications to identify, correct, and make credit decisions or advise of deficiencies and/or exceptions in accordance with sound credit granting principles; recommends remedies to maintain acceptable asset and credit quality.

  • Analyzes lending applications to confirm security valuations and completes and approves credit applications for authorization in compliance with the Bank’s business banking lending policy.

  • Develops risk profiles, credit structuring of lending proposals, and completes credit investigations.

  • Responds to inquiries and resolves issues raised through audits and quality checks to adequately document lending decisions.

  • Builds effective relationships with internal/external stakeholders.

  • Ensures alignment between stakeholders.

  • Integrates information from multiple sources to enable more efficient processes, enhance analysis, and/or streamline reporting.

  • Designs and produces regular and ad-hoc reports, and dashboards.

  • Monitors and tracks performance and addresses any issues.

  • Follows security and safeguarding procedures and applies due diligence in accordance with Bank’s policies and ethical standards for the prevention of loss due to fraud, robbery, counterfeiting, money laundering, or defalcation.

  • Adheres to business banking lending processes, policies, procedures, legal, regulatory, audit, and ethical requirements.

  • Maintains the confidentiality of customer and Bank information in compliance with Bank policies and procedures.

  • Identifies risks and takes appropriate actions, including all documentation and other regulatory requirements to maintain operational integrity.

  • Liaises between clients and various departments across the organization to discuss issues and procedures, and provide product support and expertise.

  • 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.

Qualifications:

  • Typically between 4 - 6 years of relevant experience and post-secondary degree in related field of study or an equivalent combination of education and experience.

  • Advanced understanding of business banking products, lending process and directives, credit risk policies and standards, supporting processes, applicable legal and regulatory requirements, and Bank policies.

  • Strong knowledge of credit qualification and adjudication standards, policies, and procedures.

  • 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.

We’re here to helpAt 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://bmocareers.com.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.

BMO Financial GroupServing customers for 200 years and counting, BMO is a highly diversified financial services provider – the 8th largest bank, by assets, in North America. With total assets of $728 billion as of October 31, 2018, and a team of diverse and highly engaged employees, BMO provides a broad range of personal and commercial banking, wealth management and investment banking products and services to more than 12 million customers and conducts business through three operating groups: Personal and Commercial Banking, BMO Wealth Management and BMO Capital Markets.We serve Canadian clients through BMO Bank of Montreal®, our personal and commercial banking business, BMO Nesbitt Burns®*, one of Canada's leading wealth management firms, and BMO Capital Markets™, our North American investment and corporate banking division.In the United States, clients are served through BMO Harris Bank, a major U.S. Midwest personal and commercial bank, and BMO Private Bank, with wealth management offices across the United States, as well as BMO Capital Markets™, our North American investment and corporate banking division.We help our customers make money make sense by delivering the broadest range of financial services through a single point of contact. Our financial service professionals provide access to any services our customers require across the entire enterprise.

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