Associate, Credit & Transaction Management

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 your Credit and Transaction Management team you will manage an industry-specific portfolio within the Global Credit division of RBC Capital Markets. The CTM Manager will work closely with other areas of RBC 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, CMA, CFA) or a post-graduate degree with a focus in business, economics, mathematics or other quantitative field.
• Ability to read and understand complex legal documents.
• 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.
• Previous banking experience with relationship management, structuring and writing credit proposals, credit processes, policies, risk analysis would be a significant asset.
• Professional written and verbal communication skills.
• An ability to work effectively within a team environment and to interact at all levels within a large organization.
• Commitment to task and an attention to detail.
• Ability to prioritize, perform well under pressure and meet time sensitive deadlines. Acceptance that this is frequently not a 9-to-5 environment.
• Strong Excel, Word and PowerPoint skills.

Nice-to-have:

• Ability to read legal documentation in French as well as speaking French would be an asset.

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 and managing opportunities
• Work in a dynamic, collaborative and high-performance team environment
• Opportunities to be challenged on a daily basis