About The Position
As an Analyst/Associate on the Credit Transaction Management team, you will work closely with Corporate Banking to support the growth of our corporate loan book, and will manage a portfolio of clients within the Global Credit division of RBC Capital Markets. You will also work closely with other groups within Capital Markets and the Bank to deliver a full range of credit and banking services to corporate clients of the Bank. This role can be at the Analyst or Associate level, depending on the candidate's background and skillset. This is a 12-month contract role.
Requirements
- Completion of a Bachelor's degree in Business, Finance, Economics, Real Estate, or Engineering, Mathematics, or any other problem-solving fields.
- One to five years of work experience in a related field, including banking or corporate lending experience, finance and/or risk management, real estate development or investment, or knowledge of structuring and writing of real estate credit proposals, credit processes, and policies.
- Highly motivated self-starter with keen attention to detail and strong interest in real estate finance and credit.
- Ability to read and understand complex legal documents related to real estate transactions, including loan agreements, security documents, and property-related agreements.
- Strong credit and analytical skills including the ability to critically assess financial statements, property valuations, market analyses, and other client reports to draw reasoned conclusions and recommend a course of action.
- Excellent written and verbal communication skills, with strong negotiation abilities.
- Ability to manage conflicting demands and viewpoints and multiple stakeholder expectations.
- Ability to work effectively within a team environment and interact well at all levels within a large organization.
- Ability to prioritize, perform well under pressure, and meet time-sensitive deadlines.
- Strong general PC skills (Excel, Word, and PowerPoint).
Nice To Haves
- An MBA, CPA, or CFA or other post-graduate degrees with a focus in business, accounting, economics, mathematics, or real estate.
- Proficiency in real estate-specific software or financial modeling tools.
Responsibilities
- Administer an assigned portfolio of clients and borrowers.
- Demonstrate that the risk and reward of credit decisions are understood and actively measured and managed for banking book business within approved risk appetite, ensuring appropriate action is taken as warranted.
- Foster relationships with key internal stakeholders including Corporate Banking (CB), Group Risk Management (GRM), Global Markets (GM), Global Loans Administration (GLA), and Global Banking Service Centre (GBSC) to support the growth of the RBC Capital Markets loan book and trading business.
- Provide credit underwriting on a wide variety of credit transactions and present deals in the credit adjudication process.
- Write transaction memos for submission to appropriate commitments committees.
- Conduct financial analysis, including review of financial statements, borrowing bases, cash flow projections, structures, key terms, and industry trends for new credit, refinancings, renewals/extensions, covenant amendments/waivers, and other minor amendments.
- Coordinate with internal partners (Group Risk Management (GRM), Know Your Client (KYC), and Funding and Lending Services) to ensure timely closings.
- Review and approve specific drawdown requests.
- Develop expertise in assigned portfolio, policies, and guidelines, and provide value-added advice to internal partners.
- Ensure compliance with Bank Policies.
- Participate in team deliverables with respect to regulatory/audit requests.
- Ensure credit agreement terms are correctly reflected in the Bank’s systems and that all credit documentation is accounted for and reviewed in a timely basis (e.g. credit agreements, amendments, waivers, security documents).
- Complete ad-hoc projects and other duties (including presenting to key stakeholders) efficiently and effectively to support the team’s planned and unplanned demands.
Benefits
- Leaders who support your development through coaching
- Opportunities to do challenging work and foster strong working relationships other areas of the bank, notably Corporate Banking, Group Risk Management, Global Markets, Funding and Lending Services, Transaction Banking, Global Banking Service Centre, and Ratings & Monitoring Group.
- RBC's discretionary variable compensation program
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What This Job Offers
Job Type
Full-time
Career Level
Entry Level
