Analyst, Asset Based Lending

0000050599 RBC Dominion Securities Inc.; Toronto; On-site; CAD 80,000 - 100,000; Full time

Job summary

A financial services provider based in Toronto is seeking a Collateral Management Officer to oversee asset-based lending accounts. The ideal candidate will have an undergraduate degree in a relevant field and 1-2 years of experience in commercial banking, with strong skills in data analysis and client communication. This full-time position offers competitive compensation and the opportunity to work in a collaborative environment.

Benefits

Comprehensive Total Rewards Program including bonuses

Flexible benefits

Opportunities for professional development

Collaborative team environment

Qualifications

• 1 to 2+ years experience in Asset Based Lending (ABL) or commercial banking.
• Familiarity with the ABL credit processes and policies.
• Strong financial and risk analysis skills.

Responsibilities

• Manage the collateral management and reporting component of an assigned portfolio.
• Ensure timely, accurate completion of client uploads.
• Monitor client's compliance to loan and agreement terms.

Skills

Adaptability

Collateral Management

Critical Thinking

Customer Service

Detail-Oriented

Financial Engineering

Financial Statement Analysis

Teamwork

Education

Undergraduate degree in Business, Accounting, Economics, Commerce, Math or related field

Tools

MS Excel

Job description

Overview

What is the opportunity? Working in Global Credit under the Credit and Transaction Management team, you will manage and oversee the collateral management and reporting component of an assigned portfolio of Asset Based Lending (ABL) accounts, as well as non-ABL accounts under RBC Capital Markets. You will be responsible for the management of an assigned portfolio of Asset Based Lending accounts, by providing in-depth knowledge of the collateral and lending positions of their clients. You will ensure (i) credit facilities are in compliance with agreements and policies, (ii) prompt response to requests from customers and other RBC units, (iii) bank systems reflect the terms as authorized, and (iv) assist in the identification of deteriorating risk situations.

Responsibilities

• Manage the collateral management and reporting component of an assigned portfolio of Asset Based Lending (ABL) accounts.
• Ensure timely, accurate completion of client uploads to ensure collateral values are followed and to determine client funding availability.
• Partner with Credit Transaction Management to manage the global credit portfolio and upkeep & maintain limits on Client and Credit Management System (CCMS).
• Submit and approve administrative electronic transaction requests and monitor receipt of reporting requirements for ABL and non-ABL borrowing clients.
• Ensure availability is accurately calculated, mitigating undue risk by ensuring proper reserves and ineligibles are taken.
• Monitor client’s compliance to the terms and conditions of loan and other agreements, ensuring client is operating within ABL requirements.
• Review periodic collateral reports (i.e. field exams, appraisals) to identify recommendations to be implemented, identify trends and facilitate discussions with Portfolio Manager and clients.
• Assist in preparation of annual credit reviews, working closely with Associates on tasks as needed.
• Ensure daily monitoring of client loan positions, identifying trends and notifying Portfolio Management of any deterioration.
• Update and maintain client collateral monitoring workbooks.
• Assist in ensuring all supporting and required documentation is provided in timely fashion.
• Responsible for data integrity of accounts in the assigned portfolio, ensuring bank systems are updated and reflect correct information.
• Identify and be alert for revenue opportunities that can be taken to Portfolio Management for consideration.
• Assist Portfolio Management and Associates with adhoc requests as needed.

What you need to succeed?

• Minimum Undergraduate degree in the field of Business, Accounting, Economics, Commerce, Math or a related field.
• 1 to 2+ years experience in Asset Based Lending (ABL) or commercial banking
• Familiarity with the ABL credit processes and policies
• Strong Data analysis / reporting skills - strong proficiency in MS Excel is required.
• Strong understanding of loan agreements, field examinations, appraisals and financial reporting.
• Strong financial and risk analysis skills.
• Demonstrated written and verbal communication skills, including the ability to communicate effectively with clients and internal RBC partners
• Ability to prioritize work and manage competing demands from various groups with which ABL interacts.
• Ability to strike a balance in putting “Client First” vs. ensuring that internal standards are maintained and deliverables are provided.

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 success that is mutual.
• A comprehensive Total Rewards Program including bonuses and flexible benefits, competitive compensation
• Leaders who support your development through coaching and managing opportunities
• Work in a dynamic, collaborative, progressive, and high-performing team
• Opportunities to do challenging work

Additional Job Details

• Job Skills: Adaptability, Collateral Management, Credit, Critical Thinking, Customer Service, Detail-Oriented, Documentations, Financial Engineering, Financial Statement Analysis, Investments Analysis, Lending (Inactive), Management Reporting, Personal Development, Personal Initiative, Reporting Requirements, Teamwork, Transaction Management
• Address: ROYAL BANK PLAZA, 200 BAY ST : TORONTO
• City: Toronto
• Country: Canada
• Work hours / week: 37.5
• Employment Type: Full time
• Platform: CAPITAL MARKETS
• Job Type: Regular
• Pay Type: Salaried
• Posted Date: 2025-08-27
• Application Deadline: 2025-09-10

Note: Applications will be accepted until 11:59 PM on the day prior to the application deadline date above. RBC is an equal opportunity employer and values diversity in the workplace.