Mortgage Collateral Analyst - Risk & Automation

RBC; New York (NY); On-site; USD 135,000 - 200,000; Full time

Job summary

RBC in New York is seeking an Analyst/Associate level Collateral Analyst to support the residential mortgage loan business. You will help ensure portfolio integrity, maintain credit framework compliance, and bolster warehouse lending operations, while collaborating with collateral management, operations, IT, and risk teams.

You will review loan collateral, monitor portfolio risk, and assist in automating manual processes.

Qualifications

• Bachelor's degree in Finance, Economics, Business, or related field
• 2–3+ years of experience in credit analysis, loan portfolio management, mortgage origination, or related finance function
• Strong Excel proficiency and comfort with data manipulation, validation, and reconciliation
• Familiarity with databases or SQL is a plus
• Clear written and verbal communication skills
• Ability to work across teams and manage multiple priorities in a fast-paced environment

Responsibilities

• Collateral Intake and Credit Box Compliance: review incoming loan collateral against pre-defined credit box
• Portfolio Surveillance: monitor active loan portfolio for credit deterioration and data defects
• Processing Servicing Data: validate and reconcile loan balances, paydowns, and status changes
• Process Automation: identify manual workflows for automation with IT
• Risk Management: assist in measuring and monitoring key risk exposures at portfolio level

Skills

Excel proficiency

Data manipulation

Attention to detail

Communication

Cross-functional collaboration

Problem solving

Education

Bachelor's degree in Finance, Economics, Business, or related field

Tools

SQL

Python

R

Job description

RBC in New York is seeking an Analyst/Associate level Collateral Analyst to support the residential mortgage loan business. You will help ensure portfolio integrity, maintain credit framework compliance, and bolster warehouse lending operations, while collaborating with collateral management, operations, IT, and risk teams.

You will review loan collateral, monitor portfolio risk, and assist in automating manual processes.