2027 Winter – GRM, Commercial Portfolio Risk & Credit Analytics Intern (4 Months)

RBC • Toronto, ON

23d • Hybrid

About The Position

This posting is for a 4-month Winter 2027 Student placement with a start date of January 2027, and end date of April 2027. The intern will analyze credit risk and portfolio data to identify risks and trends within the commercial book. They will support monthly and quarterly risk reporting, contribute to deep-dive analyses on industry sectors, and build skills across the full data lifecycle. The role involves participating in analytics design sessions and applying technical tools like Excel, SQL, Python, and data visualization software, with exposure to emerging tools such as generative AI.

Requirements

• Currently enrolled in a post-secondary program in a quantitative discipline (e.g., Finance, Economics, Data Science, Statistics, Mathematics, Computer Science, Engineering or related field).
• Strong analytical and problem-solving skills, with a keen eye for detail and data accuracy.
• Solid technical and data skills, including working knowledge of Excel (advanced formulas and data manipulation), SQL (querying and manipulating large datasets), and Python (data analysis).
• Working knowledge of a data visualization tool, such as Tableau.
• Ability to translate complex data into clear, plain-language insights for non-technical stakeholders.
• Strong MS Office skills (Excel, PowerPoint, Word).
• Strong organizational and time management skills, with the ability to balance recurring reporting deadlines against ad-hoc requests.
• Intellectual curiosity and a self-starter mindset — comfortable learning new tools and asking questions.
• Must be returning back to school after the work term end-date of April 2027, or if graduating in April 2027, require the full 4-months work term as a mandatory component to graduate successfully.
• Must be located within Ontario for the duration of the work term.

Nice To Haves

• Familiarity with commercial lending concepts and credit risk fundamentals (e.g., credit assessment, risk ratings, portfolio risk management).
• Exposure to financial statement analysis.
• Understanding of macroeconomic trends and their impact on credit and commercial portfolios.
• Familiarity with the financial services industry.
• Hands-on experience with generative AI or LLM tools, and an interest in applying AI to credit risk analytics.
• Exposure to large-scale enterprise data environments, such as an Enterprise Data Warehouse (EDW), Enterprise Data Lake (EDL) or Hadoop-based platforms.

Responsibilities

• Analyze credit risk and portfolio data to identify top and emerging risks and trends within the commercial book.
• Support the preparation of monthly and quarterly risk reporting for various stakeholders, and respond to ad-hoc requests from partners across the business.
• Contribute to deep-dive analyses on industry sectors within the commercial portfolio (e.g., commercial real estate), including supporting related data infrastructure and tooling work.
• Build hands-on skills across the full data lifecycle — extraction, transformation, aggregation, interpretation and recommendation — with an emphasis on translating data into credit risk business decisions.
• Participate in analytics design sessions: contribute ideas, gather and document business requirements, and help shape the reporting frameworks behind effective risk management.
• Apply technical tools — including Excel, SQL, Python and data visualization software — to support credit risk analysis, with exposure to emerging tools such as generative AI as force-multipliers for the work.

What This Job Offers

• Job Type: Full-time
• Career Level: Intern
• Education Level: No Education Listed