Analyst/Associate, Credit & Transaction Management - Energy & Power

RBC • Toronto, ON

20h • CA$75,000 - CA$100,000 • Onsite

About The Position

This role is for an Analyst/Associate in the Credit and Transaction Management team, supporting Corporate Banking (CB) and Global Markets (GM) Sales & Trading to grow the corporate loan book and trading businesses. The position involves managing a portfolio of borrowers within the Global Credit division of RBC Capital Markets and collaborating with other Capital Markets and Bank groups to offer a full spectrum of credit and banking services to large corporate relationships. The level of the role (Analyst or Associate) will be determined by the candidate's background and skills.

Requirements

• Completion of Bachelor's degree in Business, Finance, Economics, Engineering, Mathematics, or any other problem-solving field.
• 1-5 years of work experience in a related field, including banking or corporate lending experience, finance and/or risk management, or knowledge of structuring and writing credit proposals, credit processes, and policies.
• Highly motivated self-starter with keen attention to detail and strong interest in corporate finance and credit.
• Ability to read and understand complex legal documents (e.g., loan agreements, security documents).
• Strong credit and analytical skills, including the ability to critically assess financial statements and other client reports to draw reasoned conclusions and recommend a course of action.
• Excellent written and verbal communication skills.
• Strong negotiation skills and ability to manage conflicting demands, viewpoints, and multiple stakeholder expectations.
• Ability to work effectively within a team environment and interact 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

• MBA or CPA, CFA professional designation (completed or near completion) or a post-graduate degree with a focus in business, accounting, economics, mathematics, or other quantitative field.

Responsibilities

• Administering an assigned portfolio of borrowers, including multinational and large corporate lending relationships.
• Providing support to Corporate Banking teams, specifically in Oil & Gas and Power & Utilities.
• Offering full transactional support to CB during the underwriting process, including credit requests, KYC approval, drafting loan proposals, and cash management requests.
• Recommending limits and revising credit structures for existing clients.
• Reviewing and approving specific drawdown requests.
• Developing expertise in the assigned portfolio, policies, and guidelines, and offering value-added advice to internal partners.
• Ensuring compliance with Bank Policy.
• Participating in team deliverables for regulatory/audit requests.
• Reviewing exposure under all single names annually to ensure credit, trading, and transactional limits are appropriate and risk is acceptable.
• Conducting thorough reviews of executed legal credit documentation to ensure credit agreement terms are correctly reflected in the Bank’s systems and all documentation is accounted for and reviewed timely.
• Working closely and maintaining positive relationships with Corporate Banking (CB), Group Risk Management (GRM), Funding and Lending Services, and Treasury & Cash Management.
• Completing ad-hoc projects, including regulatory and enterprise-wide initiatives, and other duties such as presenting on credit and product policies.

Benefits

• Leaders who support your development through coaching
• Work in a dynamic, collaborative and high-performance team environment
• Opportunities to do challenging work and foster strong working relationships with other areas of the bank, notably Corporate Banking, Group Risk Management, Global Investment Banking, Project Finance, Global Markets, Funding and Lending Services, Transaction Banking, Global Banking Service Centre, and Ratings & Monitoring Group
• RBC discretionary variable compensation program

What This Job Offers

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