Analyst​/Associate - Credit Transaction Management; CTM), Global Credit, Global Corporate Banking

Do you thrive in working in an interactive team environment? Do you have an interest in credit and lending? Do you have strong written and spoken communication skills? As an Analyst/Associate on our Credit Transaction Management team, you will work closely with our sector coverage Corporate Banking to support the growth of our lending portfolio, and you will manage a portfolio of clients within the Global Corporate Banking division of RBC Capital Markets.

You will also work closely with other groups within Capital Markets and the Bank to deliver a full range of credit and banking services to corporate clients of the Bank.

This role can be at the Analyst or Associate level, depending on the incumbent's background and skillset.

You will have an assigned portfolio of clients and borrowers, responsible for the administration of your portfolio. Within this portfolio, you will demonstrate that the risk and reward of credit decisions are understood and actively measured and managed for banking book business within approved risk appetite.

Your key responsibilities include:

• Credit Underwriting:
  Provide credit underwriting on a wide variety of credit transactions and present deals in the credit adjudication process. Transaction work includes writing transaction memos for submission to appropriate commitments committees; conducting financial analysis, including review of financial statements, borrowing bases, cash flow projections, structures, key terms, and industry trends for new credit, refinancings, renewals/extensions, covenant amendments/waivers, and other minor amendments;
  
  and coordinating with internal partners to ensure timely closings.
• Portfolio Transaction Management:
  Review and approve specific drawdown requests, develop expertise in assigned portfolio, policies, and guidelines, provide value‑added advice to internal partners, ensure compliance with Bank Policies, and participate in team deliverables regarding regulatory/audit requests.
• Data Integrity:
  Ensure credit agreement terms are correctly reflected in the Bank’s systems and that all credit documentation is accounted for and reviewed in a timely basis.
• Other Responsibilities:
  
  Completion of ad‑hoc projects and duties (including presenting to key stakeholders) to support the team’s demands.

• Strong academic credentials including completion of a Bachelor's degree in Business, Finance, Economics, Engineering, Mathematics, or any other problem‑solving field. An MBA, CPA, CFA or other post‑graduate degrees with a focus in business, accounting, economics, or mathematics would be an asset but is not required.
• One to five years of work experience in a related field, including banking or corporate lending experience, finance and/or risk management, or knowledge of structuring and writing of NBFI credit proposals, credit processes, and policies.
• Highly motivated self‑starter with keen attention to detail and strong interest in NBFI finance and credit.
• Ability to read and understand complex legal documents related to NBFI transactions, including loan agreements, security documents, and property‑related agreements.
• Strong credit and analytical skills including the ability to critically assess financial statements, property valuations, market analyses, and other client reports to draw reasoned conclusions and recommend a course of action.
• Excellent written and verbal communication skills, with strong negotiation abilities and the ability to manage conflicting demands and viewpoints and multiple stakeholder expectations.
• Effective teamwork, ability to prioritize, perform well under pressure, meet time‑sensitive deadlines, and strong general PC skills (Excel, Word, and PowerPoint), with proficiency in financial modeling tools a plus.

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.

• Leaders who support your development through coaching.
• Work in a dynamic, collaborative, and high‑performance team environment.
• Opportunities to do challenging work and foster strong working relationships with other areas of the bank.

$75,000.00 - $

At RBC, we are guided by living shared values of Client First, Integrity, Collaboration, Respect and Excellence and winning together as One RBC. We believe an inclusive workplace that has diverse perspectives is core to our continued growth as one of the largest and most successful banks in the world. Maintaining a workplace where our employees feel supported to perform at their best, effectively collaborate, drive innovation, and grow professionally helps to bring our Purpose to life and create value for our clients and communities.

RBC strives to deliver this through policies and programs intended to foster a workplace based on respect, belonging and opportunity for all.