Credit Risk Management Associate

4 days ago


Toronto, Ontario, Canada RBC - Royal Bank Full time
About the Role

We are seeking a highly motivated and detail-oriented individual to join our team as a Credit Risk Management Associate. As a key member of our Middle Office team, you will play a critical role in managing credit risk associated with syndicated and bilateral loan facilities and trading derivative lines.

Key Responsibilities
  • Manage credit risk associated with syndicated and bilateral loan facilities and trading derivative lines.
  • Prepare annual reviews, review loan documentation, and assess financial modeling where required.
  • Monitor the business and financial performance of borrowers in your portfolio through daily monitoring of financial and industry information, regulatory events, external rating agency movements, and other early warning signals.
  • Identify and assess deteriorating risk situations through credit analysis and propose a course of action to your Team Leader & Director to ensure the safety of the bank's funds.
  • Ensure compliance with loan agreements by verifying performance against financial covenants, margin limits, and Bank Policy.
  • Ensure bank systems correctly reflect key terms and conditions of credit agreements and other documentation for the assigned portfolio, with respect to data integrity.
  • Build relationships and interact extensively with other functions within the organization, such as Corporate Client Group, Risk Management, Global Loans Administration, front-line Service Managers, Cash Managers, and clients.
Requirements
  • Strong credit, analytical, and technical skills, with the ability to critically assess financial statements and other corporate and commercial client reports.
  • Professional written and verbal communication skills, with the ability to work effectively within a team environment and interact at all levels within a large organization.
  • Ability to read and understand complex legal documents, prioritize tasks, commit to deadlines, and perform well under pressure.
  • Strong Excel, Word, and PowerPoint skills.
Preferred Qualifications
  • Working toward an MBA, professional designation (e.g., CA, CMA, CFA), or a post-graduate degree with a focus in business, economics, mathematics, or other quantitative fields.
  • Previous banking experience with relationship management, structuring, and writing credit proposals, credit processes, policies, risk analysis.
  • Ability to communicate and read legal documentation in French.
  • Familiarity with the RBC Capital Markets or CCG credit process and loan agreements.
  • Knowledge of internal systems such as CCMS, TMS, and Newton.
What We Offer
  • Leaders who support your development through coaching and managing opportunities.
  • Ability to make a difference and lasting impact.
  • Work in a dynamic, collaborative, progressive, and high-performing team.
  • Opportunities to do challenging work and make a difference.
  • Opportunities to build close relationships.


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