Analyst / Associate, Institutional Client Credit Management (Transaction Management)

3 weeks ago

Toronto, Canada RBC - Royal Bank Full time

Job Summary

Job Description

What is the opportunity?

You will deliver insights and advice that are meaningful and timely with respect to bank and sovereign counterparties and support business units in their pursuit of high quality earnings growth and returns through a disciplined approach to credit risk

***This role can be at an Analyst / Associate level, depending on the candidate's background / experience.***

What will you do?

Transaction support

  • Partner with business units to develop transaction solutions including provision of advice on structure, amount and term for borrowers as clients or as counterparties (eg. service providers), in alignment with RBC policies and appetite
  • Assist with day-to-day management of client credit issues including preparation of business cases, setting single name strategic limits and managing excesses
  • Participate in the E2E on-boarding process and help ensure counterparties are properly rated, assigned sufficient limit and have fulfilled all regulatory and legal requirements needed to support credit activities

Risk identification

  • Participate in continuous monitoring of counterparty and portfolio risks and ensure:
    • Policies and guidelines are applied consistently
    • Operational risks/control deficiencies are identified and reported
  • Partner with ICCM-Portfolio Management and Analysis to assist with regulatory reviews including annual reviews and help ensure relationship remains within RBC policy and risk appetite

Portfolio Management

  • Interact with business units to provide information on assigned names within the portfolio including data and analysis on limits and utilization
  • Contribute to the production of portfolio statistics and management information reports in a timely and accurate manners (ad hoc and regularly scheduled) such as quarterly reporting, country exposure updates, peer reviews, stress testing)
  • Proactively seek to simplify and innovate to improve efficiency and productivity through identification of enhancements and process re-design

What you need to succeed?

  • University degree
  • Minimum 2 years financial institution experience
  • Solid financial analysis, research and problem-solving skills and working knowledge of the C.A.M.E.L approach to credit risk assessment
  • Understanding of RBC processes, systems and policies
  • Ability to interpret, explain and communicate opinions and recommendations using strong verbal and written presentations
  • Working knowledge of trading products including derivatives and securities finance and non-trading product offerings supporting cash management, operations and trade finance
  • Proactive, self-motivated, tenacious
  • Analytical thinking with strong organizational and time management skills
  • Strong team player
  • Good communication skills

Nice-to-have

  • MBA, MA (eg. Finance, Economics)
  • Post graduate designation ( eg. FRM, CFA, CPA)
  • Work experience in a Back Office or Middle Office considered an asset
  • Advanced data and computer management skills including proficiency with MS Office

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.

  • A comprehensive Total Rewards Program including bonuses and flexible benefits, competitive compensation
  • Leaders who support your development through coaching and managing opportunities
  • Work in a dynamic, collaborative, progressive, and high-performing team
  • Opportunities to do challenging work
  • Flexible work/life balance options

Job Skills

Adaptability, Critical Thinking, Customer Service, Detail-Oriented, Financial Engineering, Financial Statement Analysis, Investments Analysis, Personal Development, Taking Initiative, Teamwork

Additional Job Details

Address:

ROYAL BANK PLAZA, 200 BAY ST:TORONTO

City:

TORONTO

Country:

Canada

Work hours/week:

37.5

Employment Type:

Full time

Platform:

Capital Markets

Job Type:

Regular

Pay Type:

Salaried

Posted Date:

2024-05-10

Application Deadline:

2024-05-24

Inclusion and Equal Opportunity Employment

At RBC, we embrace diversity and inclusion for innovation and growth. We are committed to building inclusive teams and an equitable workplace for our employees to bring their true selves to work. We are taking actions to tackle issues of inequity and systemic bias to support our diverse talent, clients and communities.
​​​​​​​
We also strive to provide an accessible candidate experience for our prospective employees with different abilities. Please let us know if you need any accommodations during the recruitment process.

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