Analyst, Global Markets Corporate Banking

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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.

Salaire :

Type de rémunération :

Ce qui précède représente la fourchette et le type de rémunération de BMO Groupe financier.

Les salaires varieront en fonction de facteurs comme l’emplacement, les compétences, l’expérience, les études et les qualifications pour le poste et pourront inclure une structure de commissions. Les salaires pour les postes à temps partiel seront calculés au prorata du nombre d’heures travaillées régulièrement. Pour les rôles à commission, le salaire susmentionné représente la cible de BMO Groupe financier pour la première année au poste.

La rémunération totale offerte par BMO variera selon le type de rémunération associé au poste et peut comprendre des primes de rendement, des primes discrétionnaires ainsi que d’autres avantages et récompenses. BMO offre également une assurance santé, le remboursement des frais de scolarité, une assurance accident et une assurance vie, ainsi que des régimes d’épargne-retraite. Pour en savoir plus sur nos avantages sociaux, consultez le site : https://jobs.bmo.com/ca/fr/R%C3%A9mun%C3%A9ration-globale

À propos de nous

À BMO, nous sommes animés par une raison d’être commune : Avoir le cran de faire une différence dans la vie, comme en affaires. Cette raison d’être nous invite à entraîner des changements positifs et durables pour nos clients, nos collectivités et nos gens. En travaillant ensemble, en innovant et en repoussant les limites, nous transformons des vies et des entreprises et favorisons la croissance économique partout dans le monde.

En tant que membre de l'équipe de BMO, vous êtes valorisé, respecté et entendu, et vous avez plus de moyens pour progresser et obtenir des résultats. Nous nous efforçons de vous aider à obtenir des résultats dès le premier jour, pour vous-même et nos clients. Nous vous offrirons les outils et les ressources dont vous avez besoin pour franchir de nouvelles étapes, car vous aidez nos clients à franchir les leurs. Au moyen de formation et de coaching approfondis ainsi que de soutien de la direction et d'occasions de réseautage, nous vous aiderons à acquérir une expérience enrichissante et à élargir votre groupe de compétences.

Pour en savoir plus, visitez-nous à l'adresse https://jobs.bmo.com/ca/fr.

BMO s'engage à offrir un milieu de travail inclusif, équitable et accessible. Nous apprenons de nos différences et tirons notre force des gens et de leurs différents points de vue. Des mesures d’adaptation sont disponibles sur demande pour les candidats qui participent à tous les aspects du processus de sélection. Pour demander des mesures d’adaptation, veuillez communiquer avec votre recruteur.

Remarque aux recruteurs : BMO n’accepte pas les curriculum vitæ non sollicités provenant de toute source autre que le candidat directement. Tout curriculum vitæ non sollicité envoyé à BMO, directement ou indirectement, sera considéré comme la propriété de BMO. BMO ne paiera aucuns frais pour les placements découlant de la réception d’un curriculum vitæ non sollicité. Une agence de recrutement doit d’abord détenir une entente de service écrite valide et dûment signée avant d’envoyer des curriculum vitæ.