Commercial Banking Credit Analyst Internship, Summer 2026, (San Francisco, CA)

Commercial Banking Credit Analyst Intern

As a Commercial Banking Credit Analyst Intern at BMO, you'll have the opportunity to develop strong financial analysis and credit assessment skills while working alongside experienced Commercial Bankers who are passionate about client success. You'll contribute to meaningful projects, sharpen your ability to assess risk and learn how BMO partners with businesses to fuel growth. This is more than an internship it's a chance to explore a career in commercial banking, expand your personal network and make a real impact with one of the largest banks in North America.

This internship role is located in San Francisco, CA. Please apply only if you are interested in working in this location.

Analyzes credit information to support lending decisions and processes for new and existing Commercial banking loans and credit solutions in an assigned portfolio of clients. Makes credit decisions and recommendations in compliance with bank policies and procedures while maintaining an exceptional client service environment.

Responsibilities include :

• Performs financial analysis and calculations and makes recommendations to Manager.
• Supports portfolio monitoring and compliance, analyses metrics, and assesses industry trends to spot risks and opportunities.
• Prepares detailed credit summaries to assess creditworthiness and support decision making.
• Provides content and support for proposals and presentations to capture new business and expand client partnerships.
• Builds and maintains client relationships to ensure long-term financial performance in collaboration with Relationship Manager and business partners.
• Structures and supports new, renewal and extension loans aligned with client needs and bank & risk policies
• Conducts financial analysis and risk assessments of clients' credit information, for an assigned portfolio, to provide insights and make informed decisions
• Monitors the portfolio performance for assigned portfolio of Commercial Banking clients on an ongoing basis, taking corrective action when required.
• Minimizes BMO's risk exposure by adhering to credit policies, regulatory standards, and operational guidelines.
• Serves as a point of contact for service requests, ensuring expectations are consistently met or exceeded. Escalates issues when needed.
• Supports and implements initiatives to enhance service quality, acquire new business and expand client relationships.
• Identifies revenue and cross-selling opportunities to enhance portfolio growth.
• Identifies share of wallet opportunities.
• Leverages analysis tools to nurture and grow a portfolio that exceeds ROE thresholds and evaluates client returns on a proactive basis.
• Manages timely and accurate data entry into BMO's systems and leverages the data to support decision-making.
• Completes complex & diverse tasks within given rules / limits and may include handling escalations from other employees.
• Analyzes issues and determines next steps.
• Broader work or accountabilities may be assigned as needed.

Qualifications :

Foundational level of proficiency in the following is an asset :

Salary : $50,100.00 - $82,800.00

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.

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.

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.