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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?
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.
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
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.