Bilingual Portfolio Analyst, Asset Based Lending

RBC; Toronto; On-site; CAD 60,000 - 80,000; Full time

Job summary

A leading financial institution in Toronto is seeking a Portfolio Analyst to manage asset-based lending portfolios. The role requires bilingual skills in English and French, along with strong financial analysis and accounting expertise. This position offers a dynamic team environment and the opportunity to impact client success positively.

Benefits

Dynamic team environment

Opportunities for growth

Work-life balance achievements

Qualifications

• Bilingualism (English and French) necessary.
• Undergraduate Degree with focus in quantitative fields.
• Strong financial analysis skills from relevant experience.

Responsibilities

• Manage ABL portfolio and collateral management.
• Ensure compliance with loan agreements and timely responses.
• Monitor financial conditions and complete annual reviews.

Skills

Bilingualism

Financial analysis

Accounting skills

Strong Excel skills

Detail-oriented

Organizational skills

Ability to prioritize work

Education

Undergraduate Degree in Business, Economics, Accounting, or Mathematics

Tools

Microsoft Excel

Job description

Job Description

What is the opportunity?

RBC is a leading provider of asset based loans for a wide variety of industries and client situations across Canada. As a Portfolio Analyst on the Portfolio Management team for RBC’s Asset Based Lending ("ABL") business, you will bring your strong financial and risk analysis skills to the table as you become a valuable member of an established and dynamic team.

You will be responsible for the management of an assigned portfolio of diversified ABL clients that roll into one of RBC’s Corporate Client Group and Canadian Banking books, providing in‑depth knowledge of the collateral and lending positions of their clients. You will also be responsible for ensuring credit facilities are in compliance with agreements and policies, providing prompt responses to requests from customers and other RBC units, ensuring bank systems reflect the terms as authorized and assist in the identification of deteriorating risk situations.

What will you do?

Manage aspects of an assigned ABL portfolio, such as:

• Coordinate and carry out the collateral management and credit transaction component of an assigned portfolio of Asset Based Lending (ABL) accounts
• Ensure timely, accurate completion of client uploads to ensure collateral values are correct and to determine client funding availability
• 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, assist in completing annual reviews of facilities
• Ensure periodic and at least quarterly monitoring of all borrowers and identify trends in the financial condition of accounts
• Complete the analysis of the monthly reporting provided by the borrower to ensure client is operating within ABL requirements
• Preparation of borrower risk rating submissions for new and existing commercial accounts
• Assist with the preparation of annual credit reviews where required
• Responsible for data integrity of accounts in the assigned portfolio, ensuring bank systems are correct
• Assist in ensuring all supporting documentation is provided in timely fashion
• Investigate and provide comments daily to Portfolio Management on credit excesses

What do you need to succeed?

Must Have:

• Bilingualism (English and French) required, as you will regularly serve our clients and do business with RBC partners and/or employees across Canada with English and French speaking needs
• Undergraduate Degree with a focus in Business, Economics, Accounting, Mathematics or other quantitative fields
• Demonstrated strong financial analysis and accounting skills through past roles within financial services or internship/co‑op experiences
• Strong Excel skills
• Detail‑oriented with strong organizational skills
• Ability to prioritize work and manage competing demands from various groups with which ABL interacts

Nice to Have

• CFA/CPA or other relevant professional designation (or working towards)
• Prior experience in commercial banking or ABL market
• Strong understanding of loan agreements, field examinations, appraisals and financial reporting
• Familiarity with RBC credit processes and loan documentation

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.

• Ability to make a difference and lasting impact
• Work in a dynamic, collaborative, progressive, and high‑performing team
• Opportunities to do challenging work

Job Skills

Asset‑Based Loans (ABL), Credit, Credit Processes, Detail‑Oriented, Financial Analysis, Financial Services, French Language, Microsoft Excel

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: Regular

Pay Type: Salaried

Posted Date: 2025-11-17

Application Deadline: 2025-12-06

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 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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