Associate, Credit Management, Corporate Client Group

RBC•Montreal, QC

3d•Onsite

About The Position

As an Associate, you will manage an industry-specific portfolio of Corporate Client Group (CCG) Borrowers. This is a middle office function that works closely with CCG and other partners within the Bank to deliver a full range of credit and banking services to multinational and other large corporate relationships.

Requirements

Strong credit, analytical and technical skills, ability to critically assess financial statements and other corporate and commercial client reports and draw reasoned and relevant conclusions to recommend a course of action
Professional written and verbal communication skills with the ability to work effectively within a team environment and to interact at all levels within a large organization
Ability to read and understand complex legal documents, prioritize, commit to task with excellent attention to detail, and perform well under pressure to meet time sensitive deadlines as this is frequently not a 9-to-5 environment
Strong Excel, Word and PowerPoint skills
Bilingualism (English and French) required, as you will regularly do business with partners across Canada

Nice To Haves

MBA, professional designation (e.g., CFA or CPA) or a post-graduate degree with a focus in business, economics, finance, or accounting
Previous banking experience with relationship management, structuring and writing credit proposals, credit processes, policies, risk analysis
Ability to communicate and read legal documentation in French
Familiarity with the Capital Markets credit process and loan agreements
Knowledge of internal systems such as CCMS, TMS & Newton

Responsibilities

Responsible for managing credit risk associated with syndicated and bilateral loan facilities and trading derivative lines.
Tasks include preparation of credit amendments, annual reviews, reviewing loan documentation, annual risk assessments, including financial modeling where required
Actively follow the business and financial performance of the borrowers in your portfolio through daily monitoring of financial and industry information, regulatory events, external rating agency movements, and other early warning signals
Identify and assess deteriorating risk situations through your credit analysis and where necessary, propose a course of action to your Team Leader & Director to ensure the safety of the bank’s funds
Ensure compliance with loan agreements by verifying performance against financial covenants, margin limits and Bank Policy.
Ensure bank systems correctly reflect key terms and conditions of credit agreements and other documentation for the assigned portfolio, with respect to data integrity
Build relationships and interact extensively with other functions within the organization such as Corporate Client Group, Risk Management, Global Loans Administration, front line Service Managers, Cash Managers, etc.