Analyst/Associate - Credit Transaction Management (CTM), Global Credit, Global Corporate Banking (12-month fixed term Contract)

Royal Bank of Canada • Toronto, ON

4d • Onsite

About The Position

This role is for an Analyst/Associate on the Credit Transaction Management (CTM) team within Global Credit, Global Corporate Banking. The position supports the growth of the corporate loan book and manages a portfolio of clients within RBC Capital Markets. The role involves close collaboration with other groups within Capital Markets and the Bank to provide a full range of credit and banking services to corporate clients. This is a 12-month fixed-term contract position, and the level (Analyst or Associate) will be determined by the candidate's background and skillset.

Requirements

• Completion of a Bachelor's degree in Business, Finance, Economics, Real Estate, Engineering, Mathematics, or any other problem-solving field.
• 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.
• Understand, measure, and actively manage the risk and reward of credit decisions within approved risk appetite for banking book business.
• 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 loan book and trading business.
• Provide credit underwriting for various credit transactions and present deals in the credit adjudication process.
• Conduct financial analysis, including review of financial statements, borrowing bases, cash flow projections, structures, key terms, and industry trends for new credits, refinancings, renewals/extensions, covenant amendments/waivers, and other minor amendments.
• Coordinate with internal partners (GRM, KYC, and Funding and Lending Services) to ensure timely closings.
• Review and approve specific drawdown requests.
• Develop expertise in the assigned portfolio, policies, and guidelines, and provide value-added advice to internal partners.
• Ensure compliance with Bank Policies.
• Participate in team deliverables for 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.
• Complete ad-hoc projects and other duties efficiently and effectively to support team demands.

Benefits

• Opportunities to do challenging work and foster strong working relationships with 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.
• Potential to earn RBC's discretionary variable compensation program.
• Support for development through coaching.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level