Associate, Credit & Transaction Management

Employer
RBC.
Location
Toronto, Canada
Salary
Competitive
Posted
Aug 09, 2019
Closes
Aug 18, 2019
Ref
6275877
Job Function
Credit Analysis
Industry Sector
Finance - General
Employment Type
Full Time
Education
Bachelors
What is the opportunity?

Do you thrive in working in an interactive team environment? Are you a quick learner of systems? Do you have strong written and spoken communication skills? As an Associate in our Credit and Transaction Management team you will manage a portfolio of approximately 35 credit relationships on the Real Estate team within the Global Credit division of RBC Capital Markets. You will 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.

What will you do?
  • For the assigned portfolio, you will be responsible for managing credit risk associated with syndicated and bilateral loan facilities and trading derivative lines. Tasks include preparation of credit renewals and amendments, performing quarterly and annual reviews, and reviewing loan documentation
  • Ensure compliance with loan agreements by verifying performance against financial covenants and margin limits
  • Ensure compliance with Bank Policy
  • Identify and assess deteriorating risk situations through analysis of financial reports and industry and economic data, and where necessary, propose a course of action to CTM management to ensure the safety of the bank's funds
  • Ensure that bank systems correctly reflect key terms and conditions of credit agreements and other documentation for the assigned portfolio
  • Interact extensively with other functions of RBC Capital Markets, the Bank and occasionally interact with clients, legal counsel and other external contacts

What do you need to succeed?
Must-have:
  • MBA, professional designation (e.g., CA, CPA, CFA) or a post-graduate degree with a focus in business, accounting, economics, mathematics or other quantitative field
  • Ability to read and understand complex legal documents
  • Industry knowledge and/or prior experience within the Real Estate sector would be an asset
  • 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
  • Previous banking experience with relationship management, structuring and writing of credit proposals, credit processes, policies, risk analysis would be an asset
  • 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
  • Strong general PC Skills (Excel, Word and PowerPoint).

What's in it for you?
We thrive on the challenge to be our best, progressive thinking to keep growing, and working together to deliver trusted advice to help our clients thrive and communities prosper. We care about each other, reaching our potential, making a difference to our communities, and achieving success that is mutual.

  • Leaders who support your development through coaching
  • Work in a dynamic, collaborative and high-performance team environment
  • Work closely with and maintain positive working relationships with Corporate Banking, Loan Portfolio Management, and with other areas of the bank, notably Group Risk Management, Global Markets, Global Loans Administration and the Global Banking Service Centre


About RBC
Royal Bank of Canada is Canada's largest bank, and one of the largest banks in the world, based on market capitalization. We are one of North America's leading diversified financial services companies, and provide personal and commercial banking, wealth management, insurance, investor services and capital markets products and services on a global basis. We have over 80,000 full- and part-time employees who serve more than 16 million personal, business, public sector and institutional clients through offices in Canada, the U.S. and 37 other countries. For more information, please visit rbc.com .

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Inclusion and Equal Opportunity Employment
RBC is an equal opportunity employer committed to diversity and inclusion. We are pleased to consider all qualified applicants for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, protected veterans status, Aboriginal/Native American status or any other legally-protected factors. Disability-related accommodations during the application process are available upon request.

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