2025 Fall Student - Credit Management Analyst (4 months)

Royal Bank of Canada; Toronto; On-site; CAD 40,000 - 60,000; Full time

Job summary

A leading bank is offering a 4-month student placement in Toronto, focused on credit risk management for large corporate clients. The successful candidate will manage financial performance monitoring and engage in comprehensive credit analysis while collaborating with various teams to enhance banking services.

Benefits

Supportive leadership

Opportunities for professional development

Dynamic and collaborative team environment

Qualifications

• Strong credit analysis skills and ability to assess financial statements.
• Excellent written and verbal communication skills.
• Proficiency in Excel, Word, and PowerPoint.

Responsibilities

• Manage credit risk related to loan facilities and trading derivatives.
• Conduct financial modeling and prepare annual reviews.
• Monitor business performance through analysis of financial data.

Skills

Credit Analysis

Financial Statement Preparation

Communication

Financial Modeling

Math

Education

Pursuing a degree in Business, Economics, Mathematics or related field

Tools

Excel

Word

PowerPoint

Job description

Do you thrive in working in an interactive team environment? Are you a quick learner? Do you have strong written and spoken communication skills? This is a middle office function that works closely with the Corporate Client Group (CCG) and other partners within the Bank to deliver a full range of credit and banking services to multinational and other large corporate relationships.

Job Description

Please note: This posting is for a 4-month Student Fall 2025 placement with a start date of September 2025 and end date of December 2025.

To be eligible for this 4-month Student position, you must either:

• Be returning to school after the work term end date of December 2025; or
• If you are not returning to school (i.e., graduating in September/December 2025), you require the work term as a mandatory component to graduate successfully.

Please ensure you meet these eligibility requirements before applying. Candidates who are ineligible will not be considered.

What is the opportunity?

Do you thrive in an interactive team environment? Are you a quick learner? Do you have strong written and spoken communication skills? This is a middle office function working closely with CCG and other partners within the Bank to deliver credit and banking services to large corporate clients.

What will you do?

• Manage credit risk related to syndicated and bilateral loan facilities and trading derivative lines. Tasks include preparing annual reviews, reviewing loan documentation, and conducting financial modeling where required.
• Monitor the business and financial performance of your portfolio through daily analysis of financial and industry data, regulatory events, external rating agency movements, and early warning signals.
• Identify and assess deteriorating risk situations through credit analysis and propose actions to your Team Leader & Director to safeguard the bank's funds.
• Ensure compliance with loan agreements by verifying performance against financial covenants, margin limits, and bank policies.
• Maintain accurate reflection of key terms and conditions of credit agreements in bank systems, ensuring data integrity.
• Build relationships and interact extensively with other functions within the organization, including CCG, Risk Management, Loan Administration, and clients (internal & external).

What do you need to succeed?

Must-have:

• Strong credit analysis and technical skills, with the ability to critically assess financial statements and client reports, and draw relevant conclusions.
• Excellent written and verbal communication skills, with the ability to work effectively in a team and interact at all organizational levels.
• Ability to understand complex legal documents, prioritize tasks, and perform under pressure to meet deadlines, often outside standard hours.
• Proficiency in Excel, Word, and PowerPoint.

Nice-to-have:

• Progress toward an MBA or professional designation (e.g., CA, CMA, CFA) or a postgraduate degree in business, economics, mathematics, or a related quantitative field.
• Previous banking experience in relationship management, credit structuring, and proposal writing.
• Ability to read and communicate legal documents in French.
• Familiarity with RBC Capital Markets or CCG credit processes and loan agreements.
• Knowledge of internal systems such as CCMS, TMS, & Newton.

What's in it for you?

• Supportive leadership for your development through coaching and opportunities.
• Chance to make a meaningful and lasting impact.
• Work in a dynamic, collaborative, and high-performing team.
• Opportunities to undertake challenging work and build close relationships.

Job Skills

Credit Management

Additional Job Details

Address: ROYAL BANK PLAZA 200 BAY ST, TORONTO

City: TORONTO

Country: Canada

Work hours / week: 37.5

Employment Type: Full time

Platform: PERSONAL & COMMERCIAL BANKING

Job Type: Student / Coop (Fixed Term)

Posted Date: [Insert Date]

Application Deadline:

Note: Applications are accepted until 11:59 PM the day prior to the deadline date.

Inclusion and Equal Opportunity Employment

At RBC, we believe in an inclusive workplace with diverse perspectives, which is key to our growth as a leading bank. We foster a respectful environment that supports our employees' potential, collaboration, innovation, and professional growth, aligning with our Purpose to create value for clients and communities.

Join our Talent Community

Stay informed about career opportunities at RBC by signing up for updates on jobs, tips, and events relevant to you.

Discover how we use passion and drive to enhance the well-being of our clients and communities at [website].

Required Experience

Key Skills: Financial Statement Preparation, Credit Analysis, Cash Flow Analysis, Math, Banking, Analysis Skills, UCC Law, Underwriting, Financial Analysis, Financial Modeling, Financial Report Interpretation, Word Processing

Experience: [Specify years]

Vacancy: 1