Analyst - Credit Transaction Management (CTM)

RBC • Toronto, ON

3d • Onsite

About The Position

As an Associate in our Credit and Transaction Management team, you will work closely with Corporate Banking (“CB”) and Global Markets (“GM”) Sales & Trading to support the growth of the corporate loan book and trading businesses, and will manage a portfolio of borrowers in Diversified sectors 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 multinational and other large corporate relationships.

Requirements

• MBA, professional designation (e.g., CA, CMA, CFA) or a post-graduate degree with a focus in business, accounting, economics, mathematics or other quantitative field, and relevant work experience
• Previous banking experience or corporate lending experience with client relationship management, knowledge of structuring and writing of credit proposals, credit processes, policies, risk analysis would be an asset
• 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, with strong negotiation skills and an ability to manage conflicting demands and viewpoints, and multiple stakeholder expectations
• Ability to work effectively within a team environment and to interact at all levels within a large organization
• Ability to prioritize, perform well under pressure and meet time sensitive deadlines
• Ability to strike a balance in putting “Client First” while ensuring that internal standards are maintained and deliverables are provided
• Strong general PC Skills (Excel, Word and PowerPoint)

Responsibilities

• Ensure Annual Reviews of existing credit relationships are completed in a timely fashion and maintain a high quality of work.
• 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).
• Review and approve specific draw down requests.
• Develop expertise in assigned portfolio, policies and guidelines, and provide value added advice to internal partners.
• Ensure compliance with Bank Policy.
• Participate in team deliverables with respect to regulatory/audit requests.
• Provide transactional support to CB / GM which includes but is not limited to: credit transaction requests (new credit, refinancing requests, renewals, covenant waivers, loan documentation reviews), drafting loan proposals, trading line requests, and cash management requests.
• Work closely and maintain positive relationships with Corporate Banking (CB), Group Risk Management (GRM), Global Markets (GM), and Global Loans Administration (GLA).
• Completion of ad-hoc projects and other duties (including presenting to key stakeholders) efficiently and effectively in order to support the team’s planned and unplanned demands.

Benefits

• Opportunities to do challenging work and foster strong working relationships other areas of the bank, notably Corporate Banking, Group Risk Management, Global Markets, Global Loans Administration, Global Banking Service Centre, Ratings & Monitoring Group, and Agency Services.

What This Job Offers

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