Associate, Consumer Corporate Banking

RBC; New York (NY); On-site; USD 160,000 - 180,000; Full time

Benefits offered by this job

Bonuses

Stock options

401(k) plan

Flexible benefits

Career development

Job summary

RBC in New York seeks an Associate in Consumer Corporate Banking to support structuring, execution, and management of bank debt for a diversified consumer and retail client base.

The role collaborates with Capital Markets, Investment Banking, and Sales & Trading to deliver credit solutions aligned with growth strategies, while monitoring risk and portfolio performance.

Qualifications

• Bachelor’s degree in Business, Economics, Finance, Mathematics, or related quantitative field.
• Minimum 3+ years of relevant experience in Corporate Lending, Corporate Finance, Consumer Banking, or Credit Analysis.
• Strong financial modeling skills with complex capital structures and covenant frameworks.
• Excellent writing and presentation skills for credit memoranda.
• Strong analytical abilities to assess consumer-specific risks and regulatory factors.
• Demonstrated ability to manage multiple transactions and deadlines.
• Formal credit training; MBA, CFA, or related designation is a plus.

Responsibilities

• Assist in structuring acquisitions, leveraged and investment-grade loans, bridge facilities, and other credit solutions.
• Prepare credit submissions and supporting docs for transaction approvals, including loan syndications and portfolio management.
• Support transactions from underwriting through closing and ongoing monitoring.
• Structure and monitor syndicated and bilateral loan transactions.
• Conduct financial analysis and build detailed models with cash flow projections and covenant analysis.
• Provide coverage support for clients and identify cross-sell opportunities across Capital Markets products.
• Collaborate with Investment Banking, Debt Capital Markets, Leveraged Finance, and Fixed Income teams.
• Monitor market/regulatory developments and credit deterioration risks; assist with credit administration.

Skills

Financial modeling

Credit analysis

Presentation skills

Analytical thinking

Teamwork

Education

Bachelor’s degree

Job description

What is the opportunity?

An Associate in Consumer Corporate Banking will support the structuring, execution, administration, and management of bank debt for a diversified consumer and retail client base.

Job Description

What is the opportunity?

An Associate in Consumer Corporate Banking will support the structuring, execution, administration, and management of bank debt for a diversified consumer and retail client base.

As part of the coverage team, the Associate will help optimize the use of the Bank’s balance sheet in connection with Capital Markets, Investment Banking, and Sales & Trading relationship objectives, while delivering thoughtful credit solutions aligned with client growth strategies.

What will you do?

• Assist in structuring acquisition financings, leveraged and investment-grade loans, bridge facilities, corporate revolvers, and other credit solutions for clients
• Prepare credit submissions and supporting documentation related to the transaction approval process, including:
  • Loan syndications
  • Pipeline management
  • Single-name credit strategies
  • Exceptions Committee memoranda
• Support transactions from underwriting through closing and ongoing monitoring
• Structure and monitor syndicated and bilateral loan transactions
• Conduct financial analysis and build/maintain detailed financial models, including cash flow projections, covenant analysis, and downside scenarios
• Provide coverage support for designated clients, identifying cross-sell opportunities across all active Capital Markets products
• Partner closely with Investment Banking, Debt Capital Markets, Leveraged Finance, and Fixed Income Sales & Trading teams
• Monitor client, industry, and market performance, particularly regulatory developments, reimbursement trends, M&A activity, and credit deterioration risks
• Assist with internal credit administration, including ongoing portfolio monitoring and industry trend analysis
• Liaise with middle and back-office functions to ensure seamless execution of wires, settlements, and documentation processes
• Engage Risk Management and Credit Portfolio Management teams in credit underwriting, approvals, amendments, and ongoing monitoring

What do you need to succeed?

• Bachelor’s degree in Business, Economics, Finance, Mathematics, or other quantitative discipline
• Minimum 3+ years of relevant experience in Corporate Lending, Corporate Finance, Consumer Banking, or Credit Analysis
• Strong financial modeling skills, including experience with complex capital structures and covenant frameworks
• Superior writing and presentation skills with ability to prepare detailed credit memoranda
• Strong analytical skills with ability to assess consumer-specific risks (e.g., reimbursement exposure, regulatory risk, payer mix dynamics)
• Excellent interpersonal and relationship management skills
• Ability to take initiative, operate independently, and thrive in a team-oriented environment
• Demonstrated ability to manage multiple transactions and competing deadlines
• Formal credit training
• Nice to have: Master’s degree (MBA or related field), CFA or other relevant professional designation, prior sector experience

What’s in It for you?

We are committed to fostering a dynamic, collaborative, and high-performing work environment where you can thrive and make a lasting impact. By joining our team, you will benefit from:

• A comprehensive Total Rewards Program, including competitive compensation, bonuses, flexible benefits, and stock options (where applicable).
• Access to leaders who are invested in your development through coaching and growth opportunities.
• The chance to make a meaningful difference in our communities.
• Opportunities to work on challenging and impactful projects.
• The ability to build strong, enduring relationships with clients.

The expected salary range for this position is $160,000 - $180,000, based on factors such as experience, skills, registration status, market conditions, and business needs. This salary range does not include other elements of total compensation, such as:

• A discretionary bonus.
• Benefits, including a 401(k) program with company-matching contributions, health, dental, vision, life, and disability insurance, and a paid time-off plan.
• Our compensation philosophy recognizes the importance of attracting and retaining top talent by offering a competitive rewards program that:
• Supports a high-performance culture.
• Enables the achievement of strategic organizational goals.
• Generates sustainable shareholder value.

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: BROOKFIELD PLACE FKA 3 WORLD FINANCIAL CENTER, 200 VESEY STREET:NEW YORK

City: New York

Country: United States of America

Work hours/week: 40

Employment Type: Full time

Platform: CAPITAL MARKETS

Job Type: Regular

Pay Type: Salaried

Posted Date: 2026-07-29

Application Deadline: 2026-09-15

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

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.