Analyst/Associate - Credit Transaction Management (CTM) - Non Bank Financial Institutions

RBC; Toronto; Presencial; CAD 90.000 - 135.000; Jornada completa

Descripción de la vacante

RBC in Toronto is seeking an Analyst/Associate to support credit and transaction management for multinational corporate relationships. You will work closely with Corporate Banking and Global Markets to manage a portfolio within RBC Capital Markets' Global Credit division, delivering credit and banking services across a diverse set of borrowers.

The role covers underwriting support, facility reviews, KYC and documentation accuracy, and collaboration with internal partners to satisfy regulatory,

Formación

• Bachelor’s degree in Business, Finance, Economics, or Engineering mathematics or related field.
• 1-5 years experience in banking or corporate lending, finance or risk management or related credit processes.
• Strong written and verbal communication, with ability to manage stakeholder expectations.
• Ability to read and understand complex legal documents and credit agreements.
• Strong credit and analytical skills with attention to detail.

Responsabilidades

• Credit facility management for a portfolio of borrowers including multinational and large corporates.
• Provide underwriting support to Corporate Banking and Global Transaction Banking teams.
• Develop expertise in assigned portfolio, ensuring policy compliance and timely regulatory/audit responses.
• Perform annual facility reviews and ensure credit, trading and transactional limits remain appropriate.
• Conduct thorough reviews of credit documentation and maintain data integrity in systems.
• Engage with CB, GTB, GRM, and treasury groups to coordinate credit and product policies.
• Complete ad-hoc projects and support OSFI requests, audits and internal reviews.

Conocimientos

Credit analysis

Financial statements analysis

Communication

Teamwork

Excel

Word

PowerPoint

Attention to detail

Educación

Bachelor’s degree in Business, Finance, Economics, or Engineering mathematics

Herramientas

Excel

Word

PowerPoint

Descripción del empleo

Job Description

What is the opportunity?

Do you thrive in working in an interactive team environment? Are you a quick learner of systems? Do you have strong written and spoken communication skills? As an Analyst/Associate in our Credit and Transaction Management team, you will work closely with Corporate Banking ("CB") and Global Markets ("GM") Sales & Trading to support the growth of the corporate loan book and trading businesses and will manage a portfolio of borrowers within the Global Credit division of RBC Capital Markets. You will also work closely with other groups within Capital Markets and the Bank to deliver a full range of credit and banking services to multinational and other large corporate relationships.

*** Please note: This role can be at the Analyst or Associate level, depending on the incumbent’s background and skillset.***

What will you do?

You will be responsible for credit facility management of an assigned portfolio of NBFI borrowers, which includes multinational and other large corporate lending relationships, and will provide additional support to several Corporate Banking and Global Transaction Banking teams. Your key responsibilities will include:

Corporate Banking (CB) Support:

Provide full transactional support to CB throughout the underwriting process which includes but is not limited to: credit requests (new credit, refinancing requests, extensions/renewals, OneDoc production, material amendments/waivers, loan documentation reviews), KYC approval, drafting loan proposals for business and risk approvals, and cash management requests. In addition, provide recommendations on limits and revise credit structures for existing clients.

Global Transaction Banking (GTB) Support:

Provide full transactional support to GTB across their suite of products including cash management, payment facilities and handling excesses. In addition, provide recommendations on facilities for new or existing clients.

Portfolio Transaction Management:

Includes but is not limited to: (i) Review and approve specific draw down requests, (ii) Develop expertise in assigned portfolio, policies and guidelines, and provide value added advice to internal partners, (iii) Ensure compliance with Bank Policy, and (iv) Participate in team deliverables with respect to regulatory/audit requests.

Annual Facility Reviews:

Review exposure under all single names, at least once a year, to ensure credit, trading, and transactional limits remain appropriate, and the risk remains acceptable.

Data Integrity:

Conduct thorough reviews of executed legal credit documentation to ensure credit agreement terms are correctly reflected in the Bank’s systems and that all credit documentation is accounted for and reviewed in a timely basis (e.g. credit agreements, amendments, waivers, security documents).

Stakeholder Engagement:

Work closely and maintain positive relationships with Corporate Banking (CB), Global Transaction Banking (GTB), Group Risk Management (GRM), Funding and Lending Services, and Treasury & Cash Management.

Other Responsibilities:

Completion of ad-hoc projects (including regulatory and enterprise-wide initiatives by assisting partners with OSFI requests, Audit, and Fed Reviews) and other duties (including presenting to internal stakeholders on key credit and product policies) efficiently and effectively to support the team’s planned and unplanned demands.

What do you need to succeed?

Must-have’s:

• Strong academic credentials including completion of Bachelor’s degree in Business, Finance, Economics, or Engineering mathematics or any other problem solving field
• 1-5 years work experience in a related field, including banking or corporate lending experience, finance and/or risk management, or knowledge of structuring and writing of credit proposals, credit processes and policies
• Highly motivated self-starter with keen attention to detail and strong interest in corporate finance and credit
• Ability to read and understand complex legal documents (e.g. loan agreements, security documents)
• Strong credit and analytical skills including the ability to critically assess financial statements and other client reports to draw reasoned conclusions and recommend a course of action
• Excellent written and verbal communication, with strong negotiation skills and an ability to manage conflicting demands and viewpoints, and multiple stakeholder expectations
• Ability to work effectively within a team environment and to interact at all levels within a large organization
• Ability to prioritize, perform well under pressure and meet time sensitive deadlines
• Strong general PC Skills (Excel, Word and PowerPoint)

Nice-to-have:

• MBA or CPA, CFA professional designation (completed or near completion) or a post-graduate degree with a focus in business, accounting, economics, mathematics or other quantitative field

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.

• Leaders who support your development through coaching
• Work in a dynamic, collaborative and high-performance team environment
• Opportunities to do challenging work and foster strong working relationships other areas of the bank, notably Corporate Banking, Global Transaction Banking, Group Risk Management, Global Markets, Funding and Lending Services, Transaction Banking, Global Banking Service Centre, and Ratings & Monitoring Group.

GCREDITRBC

Job Skills

Adaptability, Critical Thinking, Customer Service, Detail-Oriented, Financial Engineering, Financial Statement Analysis, Investments Analysis, Personal Development, Personal Initiative, Teamwork

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:

CAPITAL MARKETS

Job Type:

Regular

Pay Type:

Salaried

Pay Range

The expected pay range for this position is:

$90,000.00 - $135,000.00

The pay range provided is for the primary work location referenced in the Additional Job Details section of this job posting. Pay ranges may differ based on location. If the posting lists multiple job locations, a recruiter can confirm availability of the role and the relevant pay rage for the additional locations listed. RBC supports pay transparency and we strive to ensure all pay ranges are competitive, fair, and equitable.

You have the potential to earn RBC’s discretionary variable compensation program which gives you an opportunity to increase your total compensation, provided that business meets its performance targets and you meet your individual goals.

Our Employment Opportunities

At RBC, we are guided by living shared values of Client First, Integrity, Collaboration, Respect and Excellence and winning together as One RBC. We believe an inclusive workplace that has diverse perspectives is core to our continued growth as one of the largest and most successful banks in the world. Maintaining a workplace where our employees feel supported to perform at their best, effectively collaborate, drive innovation, and grow professionally helps to bring our Purpose to life and create value for our clients and communities. RBC strives to deliver this through policies and programs intended to foster a workplace based on respect, belonging and opportunity for all.

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