Commercial Credit Associate / Underwriter - Food & Consumer

04/02/2026

Address:

4400 MacArthur Blvd.

Job Family Group:

Commercial Sales & Service

At BMO, we’re building one of the fastest‑growing commercial banks in North America—powered by a simple, bold purpose: to Boldly Grow the Good in business and life. As the 8th largest bank in North America and the 4th largest commercial lender, we’re expanding rapidly across the U.S., backed by a culture that rewards ambition, empowers decision‑makers, and invests deeply in our people.

Join a team where your insights matter, your development is prioritized, and your work directly shapes the future of middle‑market banking. We offer a best‑in-class Employee Value Proposition rooted in:

• Meaningful Impact: Influence credit decisions, shape deal structures, and support clients that fuel the North American economy.
• Career Growth: Gain hands‑on development through deep exposure to seasoned sector experts and complex transactions across the Food & Consumer landscape, senior‑level exposure, and a merit‑based path to advancement.
• Supportive Culture: Work in a collaborative, growth‑oriented environment where leaders are accessible and your voice is valued.
• Purpose‑Driven Work: Contribute to a thriving economy, a sustainable future, and more inclusive communities.

This role sits within BMO’s Food & Consumer Division, one of the largest and most specialized platforms of its kind. With $47B+ in capital commitments and 130+ corporate and investment bankers serving Agribusiness, Food & Beverage, Retail & Distribution, and Consumer sectors, BMO offers unmatched industry expertise—and the opportunity for you to work with some of the most impactful brands across North America.

If you’re a driven credit professional who wants to work on complex transactions, grow strategic client relationships, and be part of an ambitious, purpose‑led institution, this is where your next chapter begins.

Join a team where your credit judgment matters, your development is prioritized, and your work helps power the real economy.

Why This Team

BMO’s Food & Consumer Division is one of the largest and most specialized platforms in the market, with $47B+ in capital commitments and 130+ corporate and investment bankers serving Agribusiness, Food & Beverage, Retail & Distribution, Protein, and Consumer clients across North America. You’ll work on complex transactions with unmatched industry expertise and access to full‑bank capabilities.

What You’ll Do

Credit Underwriting & Structuring

• Analyze financial statements, cash flows, and industry dynamics to assess creditworthiness.
• Structure new, renewal, and extension loans aligned to client needs, collateral, and risk appetite.
• Prepare clear, insight‑rich credit memos and make recommendations/decisions.
• Utilize financial models and analytics to evaluate repayment capacity and capital structure.

Portfolio & Risk Management

• Monitor portfolio performance and early‑warning indicators; take proactive action where needed.
• Ensure adherence to credit policies, regulatory requirements, and operational controls.
• Maintain accurate, timely data in BMO systems; leverage data for decisioning and trend analysis.
• Track ROE and relationship returns; optimize structures to meet risk‑return thresholds.

Client & Deal Team Partnership

• Collaborate closely with Relationship Managers and product partners to deliver client solutions.
• Support negotiations of terms and conditions that balance client objectives and risk.
• Serve as a point of contact for credit/service needs; escalate issues promptly when required.

Growth & Business Development

• Develop proposals that win new mandates and expand share of wallet.
• Identify cross‑sell opportunities across treasury, FX, capital markets, and other solutions.
• Contribute to initiatives that enhance service quality and drive portfolio growth.

What You Bring

• Experience: 3–4 years in commercial credit, lending, or financial analysis in banking or corporate finance.
• Education: Bachelor’s degree required; Finance, Accounting, or Business preferred (or equivalent experience).
• Technical Skills:
  • Financial analysis & modeling (advanced)
  • Loan structuring & collateral analysis
  • Credit risk assessment and portfolio management
  • Regulatory compliance & banking operations
  • Data analysis tools; Microsoft Office (Excel/PowerPoint/Word)
• Core Competencies:
  • Analytical thinking and problem solving
  • Sound judgment with attention to detail
  • Collaboration and communication with cross‑functional teams
  • Ability to work independently on complex tasks

Our Employee Value Proposition

• Meaningful Impact: Shape deals that finance food and consumer supply chains across North America.
• Career Growth: World‑class training, direct exposure to senior leadership, and a merit‑based path to advancement (credit, RM, or specialized roles).
• Inclusive Culture: Collaborative, purpose‑driven environment where your voice is heard and your development is supported.
• Full‑Bank Platform: Work alongside product specialists in treasury, FX, and capital markets to deliver end‑to‑end client solutions.

Qualifications:

• Preferred 3 – 4 years of relevant experience in credit or lending instruments or financial operations in a corporate or banking environment.
• If a Credit Qualifiable job, Credit Qualifications and associated credit knowledge and skills according to the credit portfolio requirements and qualification standards.
• Bachelor’s degree required; Business Administration, Finance and Accounting preferred. Any other related discipline or commensurate work experience considered.
• Technical proficiency gained through education and/or business experience.

Intermediate level of proficiency:

• Problem Solving
• Collaboration
• Detail-Oriented
• Analytical Thinking
• Loan Structuring
• Regulatory Compliance
• Portfolio Management
• Credit Risk Assessment
• Banking Operations
• Microsoft Office 

Advanced level of proficiency:

• Data analysis tools
• Financial analysis

Salary:

$69,000.00 - $127,800.00

Pay Type:

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 http://jobs.bmo.com/us/en

BMO is proud to be an equal employment opportunity employer. We evaluate applicants without regard to race, religion, color, national origin, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, transgender status, sexual stereotypes, age, status as a protected veteran, status as an individual with a disability, or any other legally protected characteristics. We also consider applicants with criminal histories, consistent with applicable federal, state and local law.

BMO is committed to working with and providing reasonable accommodations to individuals with disabilities. If you need a reasonable accommodation because of a disability for any part of the employment process, please send an e-mail to BMOCareers.Support@bmo.com and let us know the nature of your request and your contact information.

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.