2026 Winter Student - Credit Management Analyst

RBC; Toronto; On-site; CAD 80,000 - 100,000; Full time

Job summary

A leading financial institution in Toronto seeks a student for a 4-month placement focusing on credit risk management. Candidates must have strong analytical and communication skills, proficiency in Excel, and must be returning to school after the work term. This role involves managing credit risk for corporate clients and requires excellent attention to detail. Join a dynamic team that values inclusion and creates lasting impacts.

Benefits

Development through coaching

Opportunities for advancement

Collaboration in a high-performing team

Qualifications

• Strong credit and analytical skills
• Professional written and verbal communication skills
• Ability to read complex legal documents
• Strong proficiency in Excel, Word, and PowerPoint

Responsibilities

• Manage credit risk associated with loans and trading derivatives
• Monitor financial performance of borrowers
• Conduct credit analysis and propose actions as needed
• Ensure compliance with loan agreements
• Build relationships across functions within the organization

Skills

Credit management

Analytical skills

Communication skills

Excel

Word

PowerPoint

Education

Working toward an MBA or relevant postgraduate degree

Tools

CCMS

TMS

Newton

Job description

Overview

Please note: This posting is for a 4-month Student Winter 2026 placement with a start date of January 2026 and end-date of April 2026.

To be eligible for this 4-month Student position, you must either be returning to school after the work term end-date of April 2026 or, if you are graduating in January/April 2026 and require the work term to graduate, you may be eligible as well. Ensure that you meet these eligibility requirements before applying, as candidates found ineligible cannot be considered.

What is the opportunity?

Do you thrive in an interactive team environment? Are you a quick learner with strong written and spoken communication skills? This is a middle office function that works closely with 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.

What will you do?

• Responsible for managing credit risk associated with syndicated and bilateral loan facilities and trading derivative lines. Tasks include preparation of annual reviews, reviewing loan documentation, Risk Assessment Framework (RAF), including financial modeling where required.
• Actively monitor the business and financial performance of borrowers in your portfolio through daily monitoring of financial and industry information, regulatory events, external rating agency movements, and other early warning signals.
• Identify and assess deteriorating risk situations through credit analysis and, where necessary, propose a course of action to your Team Leader & Director to ensure the safety of the bank’s funds.
• Ensure compliance with loan agreements by verifying performance against financial covenants, margin limits and Bank Policy.
• Ensure bank systems correctly reflect key terms and conditions of credit agreements and other documentation for the assigned portfolio, with respect to data integrity.
• Build relationships and interact extensively with other functions within the organization such as Corporate Client Group, Risk Management, Global Loans Administration, front line Service Managers, Cash Managers and clients, both internal and external.

What do you need to succeed?

Must-have

• Strong credit, analytical and technical skills, ability to critically assess financial statements and other corporate and commercial client reports and draw reasoned conclusions to recommend a course of action.
• Professional written and verbal communication skills with the ability to work effectively within a team and interact at all levels within a large organization.
• Ability to read and understand complex legal documents, prioritize, commit to tasks with excellent attention to detail, and perform well under pressure to meet time-sensitive deadlines as this is frequently not a 9-to-5 environment.
• Strong Excel, Word and PowerPoint skills.

NICE-TO-HAVE

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

What’s in it for you?

We thrive on the challenge to be our best, progressive thinking to keep growing, and working together to deliver trusted advice to help our clients thrive and communities prosper. We care about each other, reaching our potential, making a difference to our communities, and achieving mutual success.

• Leaders who support your development through coaching and managing opportunities.
• Ability to make a difference and lasting impact.
• Work in a dynamic, collaborative, progressive, and high-performing team.
• Opportunities to do challenging work and make a difference.
• Opportunities to 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)

Pay Type: Salaried

Posted Date: 2025-09-09

Application Deadline: 2025-09-17

Note: Applications will be accepted until 11:59 PM on the day prior to the application deadline date above

Inclusion and Equal Opportunity Employment

At RBC, we believe an inclusive workplace that has diverse perspectives is core to our growth. RBC strives to deliver a workplace based on respect, belonging and opportunity for all.