Analyst - Credit Transaction Management

rbc; Toronto; On-site; CAD 90,000 - 130,000; Full time

Benefits offered by this job

Coaching

Dynamic team environment

Job summary

RBC is seeking an Analyst in the Global Credit division to support Corporate Banking and GM Sales & Trading. You will manage a portfolio of multinational borrowers, assist with underwriting, credit requests, and KYC, and coordinate with internal teams to deliver credit and banking services.

The role emphasizes strong analytical skills, financial modelling, and precise documentation, with opportunities to engage in regulatory and enterprise-wide initiatives.

Qualifications

• Strong academic credentials in business/finance/economics or quantitative field.
• Possible MBA/CPA/CFA designation or equivalent preferred but not required.
• 1–5 years experience in banking, corporate lending, finance or risk management.

Responsibilities

• Provide full transactional support during underwriting, including credit requests, KYC, and loan documentation reviews.
• Develop expertise in assigned portfolio and ensure compliance with Bank policy.
• Conduct annual reviews of credit exposure and maintain data integrity in credit systems.
• Engage with CB, GRM, Funding and Lending Services, and Treasury to coordinate credit and product policies.
• Complete ad-hoc projects related to regulatory and internal audits.

Skills

Credit analysis

Financial modelling

Communication skills

Team collaboration

Attention to detail

Reading legal documents

Education

Bachelor's degree in Business/Finance/Economics/Engineering/Mathematics

MBA, CPA or CFA designation (assets)

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?

• 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.

Benefits and Growth

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