Analyst, Credit

4 days ago

Toronto, Canada Royal Bank of Canada Full time

**Come Work with Us**

At RBC, our culture is deeply supportive and rich in opportunity and reward. You will help our clients thrive and our communities prosper, empowered by a spirit of shared purpose.

Whether you’re helping clients find new opportunities, developing new technology, or providing expert advice to internal partners, you will be doing work that matters in the world, in an environment built on teamwork, service, responsibility, diversity, and integrity.

**Job Title**

Analyst, Credit & Transaction Management

**CTM Analyst**

**What is the opportunity?**

As an Analyst, you will manage an assigned portfolio of Global Corporate, Muni and NBFI clients. Your responsibilities will include working with Corporate Banking, RBC Sales & Trading (as appropriate) and other groups to facilitate and enhance the credit process through efficient and value-add support to partners, including onboarding activities, and execution of new transactions, amendments, and extensions.

You will manage a full range of credit, trading and transactional products, compliant funding, excess management and, annual reviews. You will provide prompt attention to client requests from other RBC units, resolve credit issues with various banking units and Group Risk Management as required and provide advice as warranted.

**What will you do?**
- Ensure timely preparation of
- transaction requests (which may include but not limited to new credits, restructurings, renewals, waivers, loan documentation review, establishing lines for trading, lending, and cash management, regularizing ETRs, indicative risk ratings);
- annual reviews of assigned portfolio and ensure the data integrity of CCMS
- Use bank policies/guidelines and judgement to manage daily excesses, over-limit payments in accordance with Delegated Authorities and, manage ongoing credit relationships within RBC providing fair, specific and balanced advice
- Work closely and maintain positive relationships with Corporate Banking, Global Markets, Ratings and Monitoring, Loan Portfolio Management, and with other areas of the bank, notably Group Risk Management, Global Loans Administration, Global Treasury, Global Services, the Global Banking Business Centre back-office support group, and Agency Services
- For CTM managed accounts (trading only), when applicable, fulfill responsibilities as ‘account manager of record’ for trading only names and act as the primary point of contact. Responsibilities include timely submission of transaction requests including business head submission and Single Name strategies (as applicable). Submissions should include a recommendation on the credit quality, identification of risks, proposed mitigation as well as identification of relevant standing orders and any exceptions to policies. You will also be responsible for initiating appropriate documentation negotiation (i.e. ISDA order form) and participating in reviews and coordinating client communication. Managers should have a view on the credit and transaction risks and help identify potential deteriorating risk situations and recommend a course of action in consultation with business partners, R&M, CCR and Group Risk Management (GRM).
- Keep up on policy changes/updates and participate in team deliverables with respect to regulatory/audit priorities
- Demonstrate a client service mindset while negotiating documentation, booking new credit lines, implementing rigorous reporting requirements, credit surveillance and operationally managing lending portfolio to enable Banking and Trading businesses to drive revenue.
- Complete ad-hoc projects and other duties (including presenting to key stakeholders) efficiently and effectively in order to support the team meeting planned and unplanned demands. Prepare and report portfolio statistics and other management information reports in a timely and accurate manner (as applicable)
- Employ an Efficiency Mindset and look for opportunities to increase automation, and /or to create capacity by reduction in low impact work
- Develop expertise in assigned portfolio, policies and guidelines, and provide value added advice to internal partners
- Willingly share knowledge and provide guidance to others on the CTM Team, as well as other business partners

**What you need to succeed?**
- Academic background with a minimum of Bachelor’s level accreditation: usually with an emphasis in finance, economics or a quantitative discipline
- Strong financial risk analysis and/or accounting skills
- Ability to prioritize work and manage competing demands
- Excellent written and spoken communications abilities
- Familiarity with the RBC Capital Markets credit process and loan agreements
- Ability to work in an interactive team environment
- Strong general PC skills and demonstrated capability to learn key internal systems (CCMS, Newton, TMS, CID, DMS, TDS, Fenergo)
- Ability to strike a balance in putting “Client First” while ensuring that internal standards are

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