GRM Rotational Associate, Credit Adjudication

RBC • Calgary, AB

1d • Onsite

About The Position

This 2-year program consists of three tailored credit rotations across different Commercial and Wholesale credit adjudication teams, with each rotation lasting 6 to 9 months. During these rotations, you will gain exposure to an assortment of different borrowing requests and learn how to evaluate them. Throughout the program, you will receive formal credit training, regular feedback, mentorship, and coaching to support your development and build relationships.

Requirements

• Minimum bachelor’s degree from an accredited university.
• Minimum of 3 years’ work experience (doesn’t have to be in financial services).
• Strong proficiency in Microsoft Excel, solid financial literacy, and understanding of credit metrics.
• Ability to analyze financial statements and assess credit risk.
• Effective verbal and written communication skills, with ability to articulate complex credit concepts clearly.
• Strong critical thinking skills with demonstrated ability to identify, analyze, and quantify risks and mitigants.
• Attention to detail, strong time management, and ability to multi-task across multiple transactions and priorities.
• High learning agility and strong intellectual curiosity with demonstrated commitment to continuous improvement.
• Strong problem-solving ability with capacity to work through complex, ambiguous situations.
• Demonstrated commitment to pursuing a career in credit risk management.

Nice To Haves

• Business Process Design
• Decision Making
• Financial Risk Management (FRM)
• Operational Risks
• Risk Control
• Risk Management
• Teamwork

Responsibilities

• Review and adjudicate complex borrowing requests and transactions.
• Analyze company financial statements and assess risk profiles.
• Analyze business and financial risk to evaluate corporate, leveraged finance, and commercial transactions.
• Assist in evaluating risk considerations for new transactions and contribute to the development of deal structures that adequately mitigate key risk concerns.
• Review transaction requests, term sheets, and risk assessments within agreed timelines and/or turn-around benchmarks.
• Prepare credit approval recommendations, identify exceptions to applicable policies and guidelines, and suggest appropriate mitigants.
• Review and adjudicate financial models and assist in continuous oversight of borrower’s business and financial performance through monitoring of financial and industry information, regulatory changes, third-party analysis including rating agency publications, and other early warning signals.
• Support diverse sectors including Consumer, Retail, Industrials, Healthcare, Real Estate, Technology, Media, Energy, Financial Services, and Infrastructure.
• Interact professionally with Relationship Managers, underwriting teams, and other key stakeholders in both Canadian Banking and Capital Markets.

Benefits

• Competitive salary at PL08 level with variable bonus
• Comprehensive Total Rewards Program including flexible benefits and stock where applicable
• Structured credit training, mentorship, and coaching throughout the program
• Collaborate with senior leadership and build meaningful connections across the organization
• Work on challenging and impactful assignments in dynamic, collaborative, and high-performing teams
• Join an organization that values continuous improvement, progressive thinking, and working together to deliver trusted advice that helps clients thrive and communities prosper

What This Job Offers

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