04/28/2026

Address:

250 Yonge Street

Technology

Role Summary:

We are seeking a motivated Business Analyst to join our team and support change management initiatives in Credit Risk Reporting data projects, with a special focus on small business credit risk. In this role, you will help implement improvements to databases and processes supporting Credit Risk Reporting functions, including Regulatory Capital and Allowance data processes. You will work as an individual contributor, collaborating with cross-functional teams to ensure that our data is accurate, reliable, and effectively supports decision-making and regulatory processes.

This role requires strong hands-on data analysis skills and comfort working with complex, regulated credit risk datasets in production reporting environments.
It is well suited for someone who is comfortable working independently, taking ownership of deliverables, and learning new business, data, and system concepts with limited day-to-day supervision.

Your contributions will directly enhance the quality and timeliness of credit risk reporting, helping our organization continue to meet compliance requirements as well as make better-informed decisions for small business products.

Key Responsibilities:

• Support Data Change Initiatives: Assist in implementing changes to credit risk reporting data systems and processes, particularly those that impact small business.
• Requirements Gathering: Work closely with teams in Risk, Finance, Technology and business units to gather and document credit risk reporting business requirements, ensuring they are accurately captured for data-related projects.
• Data Analysis: Use strong SQL skills to analyze and profile credit risk data, identifying trends or issues and supporting the design of practical data solutions and process improvements.
• Solution Design Support: Contribute to developing functional specifications and collaborate with IT developers and senior analysts during project design and development phases, ensuring proposed solutions meet business needs.
• Testing and Quality Assurance: Help plan and execute User Acceptance Testing (UAT) for database and process changes, validating that new or modified systems meet requirements and high data-quality standards.
• Post-Implementation Support: Participate in post-implementation reviews and continuous improvement efforts. Work with stakeholders to identify ways to make systems and processes more efficient after changes are in place and provide ongoing support to end-users and first-line support teams as needed.
• Work independently to investigate data questions, assess impacts of proposed changes, and proactively identify issues or improvement opportunities within small business credit risk reporting datasets and processes.
• Support data lineage, documentation, and overall defensibility of credit risk reporting data to meet internal governance and regulatory expectations.

Required Qualifications:

• Education: Bachelor’s degree in Finance, Business, Computer Science, Data Analytics, or a related field.
• Strong SQL writing skills (required) — including the ability to profile large datasets, validate business logic, and support data quality and reconciliation efforts in production environments.
• Experience working with credit risk, financial, or regulatory reporting data is a strong asset.
• Understanding of Agile methodologies is a plus; however, experience working in highly regulated or risk-managed environments (e.g., credit risk, capital, finance, regulatory reporting) is particularly valued.
• Demonstrated ability to learn complex business and data domains independently and manage multiple priorities with minimal supervision.

Investigates and identifies strategies to optimize business operations and services, and inform business decisions. Defines business requirements to inform technology build and operations by sourcing and analyzing relevant data, reviewing and documenting business processes and collaborating with business stakeholders. Sources business and market data to evaluate the effect of projects on business results. Also assesses the efficiency and the performance of technology (software, hardware and the wider IT system) to deliver expected business results. Identifies and analyzes malfunctions, system workflow, and troubleshoots issues raised by business.

• Elicits requirements and analyzes feasibility to ensure solutions/initiatives achieve the expected business outcomes.
• Supports various project teams across the project lifecycle to ensure development is aligned with the business requirements.
• Develops informative, coherent, and usable project documents (project artifacts) for multiple stakeholders covering functional and non-functional business requirements.
• Applies depth of domain & functional expertise for the assigned portfolio to drive the expected business value.
• Breaks down strategic problems, and analyses data and information to provide insights and recommendations.
• Builds tests cases in order to validate business requirements and End-User Testing results.
• 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.
• Take measured risks while protecting the bank by applying our Risk Management Framework in the execution of your role, in line with our Risk Culture and within our approved Risk Appetite, making sound and risk informed decisions that align to business strategy, protect assets, and adhere to applicable policy documents (Frameworks, Policies, Standards, Procedures and Supporting documents), laws and regulations.

Qualifications:

Foundational level of proficiency:

• Agile Delivery and Development.
• Data analysis.
• Learning Agility.
• Process improvement and optimization.
• Organization process optimization.
• Business architecture frameworks.
• Stakeholder Analysis and Management.
• Digital Fluency.
• Systems Thinking.

Intermediate level of proficiency:

• Business requirements definition and analysis.
• Insights development and reporting.
• Application functional design.
• Functional Analysis.
• Verbal & written communication skills.
• Collaboration & team skills.
• Analytical and problem solving skills.
• Data driven decision making.
• 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.
• Technical proficiency gained through education and/or business experience.

$61,600.00 - $113,900.00

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 https://jobs.bmo.com/ca/en.

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.

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.