Senior Analyst

BMO Technology Banking - Growth & Innovation is a specialized team that provides capital and advice to high-growth technology companies across North America. We are a leader in providing solutions to a variety of technology companies, with sector coverage including enterprise software, consumer software, hardware, and life science businesses, and we focus on all stages of the tech lifecycle, from inception up to and following a liquidity event (i.e. IPO / M&A transaction / etc.).

As a Senior Analyst on the Technology & Innovation Banking Team, you will (1) assist a team of Directors in expanding our market share across North America; (2) work closely with a team of Associates to support credit underwriting and as day- to- day management of portfolio; and (3) be part of a North American team that recognizes that diversity, equity, and inclusion are imperative to building a successful business. Accountabilities include:

• Building and managing financial models used to assess financial soundness, covenant compliance, SaaS metrics, and other technology specific ratios. Assist with debt structuring.
• Supporting the deal team in making recommendations regarding deal structure, while balancing risk and client requirements.
• Leading and performing due diligence and credit analysis of current and prospective clients, including site visits as needed.
• Performing risk rating calculations to complete risk assessments.
• Protecting the Bank’s assets and maintaining portfolio quality by managing the timely review of reporting and completing quarterly/annual borrower financial reviews. Identifies trends in client activities which may be predictive of deteriorating credit quality.
• Reviewing credit documentation for conformity with approved credit terms and conditions.
• Working collaboratively with internal teams, including Capital Markets, Wealth Management, and Commercial Banking, to identify new credit and non-credit sales opportunities.
• Client relationship management, including participating in client calls.
• Maintaining up-to-date knowledge of commercial products, processes, and relevant legal, regulatory, and technology requirements, through audits and quality checks, to ensure decisions are adequately documented, and clearly communicated.
• Provides input into the planning and implementation of operational programs.
• Works independently on a range of complex tasks, which may include unique situations.
• Adhering to bank lending processes, policies and procedures, legal and ethical requirements and regulations, audit requirements, and established risk guidelines.
• Broader work or accountabilities may be assigned as needed.

We are looking for individuals who have a deep passion for the technology sector and who have the following attributes and qualifications:

• Self-starting, results- focused, and dependable
• An ability to thrive in a high-growth and fast-paced environment.
• Capable analytical skills

• A minimum of 2-4 years of financial services industry experience (ideally in a corporate lending or investment banking environment)
• Strong financial modeling capabilities
• A problem-solving mentality and an ability to address strategic client issues
• Enthusiasm, and a commitment to succeed in a high- growth business environment
• A supportive, team-player mentality, and an ability to act as a role model in developing our future talent
• Exceptional time management and personal planning skills
• Excellent interpersonal skills
• Dedication to customer service, demonstrated by a sense of urgency and ability to meet tight deadlines