Analyst - Credit Transaction Management

RiseMe; Toronto; On-site; CAD 75,000 - 100,000; Full time

Job summary

RBC Capital Markets in Toronto seeks an Analyst to join the Credit and Transaction Management team. You will manage a portfolio of borrowers and support Corporate Banking and Global Markets sales, delivering credit and banking services to multinational clients.

The role requires 1–5 years of related experience, strong communication, and analytical skills, with focus on credit proposals, documentation, and regulatory compliance.

Qualifications

• Bachelor's degree in Business, Finance, Economics, Engineering, Mathematics or other quantitative field.
• MBA, CPA or CFA designation (completed or near completion) or a related post-graduate focus is an asset but not required.
• 1–5 years in banking/corporate lending, finance or risk management or related credit proposal experience.
• Strong attention to detail and interest in corporate finance and credit.
• Ability to read complex loan documents and assess financial statements.

Responsibilities

• Administer an assigned portfolio of borrowers and support Corporate Banking teams.
• Underwrite and manage credit requests, documentation, KYC and proposals.
• Review annual exposure and ensure credit and trading limits remain appropriate.
• Ensure data integrity by reviewing credit documents in Bank systems.
• Engage with CB, GRM, Funding and Treasury groups and other stakeholders.

Skills

Communication skills

Credit analysis

Financial modeling

Attention to detail

Teamwork

Education

Bachelor's degree in Business/Finance/Economics

MBA/CPA/CFA asset (optional)

Job description

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 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 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.

What will you do?

You will be responsible for the administration of an assigned portfolio of borrowers, which includes multinational and other large corporate lending relationships, and will provide additional support to several Corporate 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, 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.

• Portfolio Transaction Management: Includes but is not limited to: (i) Review and approve specific drawdown 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 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 on a timely basis (e.g. credit agreements, amendments, waivers, security documents).

• Stakeholder Engagement: Work closely and maintain positive relationships with Corporate Banking (CB), 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, 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, Engineering, Mathematics or any other quantitative field.
• MBA, CPA or CFA professional designation (completed or near completion) or a post-graduate degree with a focus in business, accounting, economics, mathematics or other quantitative field would be an asset but is not required.
• 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 financial modelling skills.

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 with other areas of the bank, notably Corporate Banking, Group Risk Management, Global Investment Banking, Project Finance, Global Markets, Funding and Lending Services, Transaction Banking, Global Banking Service Centre, and Ratings & Monitoring Group.

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

Posted Date: 2026-09-23

Application Deadline: 2026-10-07

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

Compensation for this position (including salary and discretionary/variable payments) will be determined by factors, including but not limited to candidate's experience, skills, registration status, performance, individual goals, market conditions, and business needs.

Pay Range

The expected pay range for this position is:

$75,000.00 - $100,000.00

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.