Associate, Credit Management

**Job Summary**

**What is the opportunity?**

Do you thrive in working in an interactive team environment? Are you a quick learner? Do you have strong written and verbal communication skills? As an Associate, you will manage an industry-specific portfolio of Corporate Client Group (CCG) Borrowers. This is a middle office function that works closely with CCG and other partners within the bank to deliver a full range of credit and banking services to multinational and other large corporate relationships.

**What will you do?**
- Responsible for managing credit risk associated with syndicated and bilateral loan facilities and trading derivative lines. Tasks include preparation of credit amendments, annual reviews, reviewing loan documentation, annual risk assessments, including financial modeling where required
- Actively follow the business and financial performance of the 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 your credit analysis and where necessary, 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, etc.

**What do you need to succeed?**

**Must-have**:

- 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
- Professional written and verbal communication skills with the ability to work effectively within a team environment and to interact at all levels within a large organization
- Ability to read and understand complex legal documents, prioritize, commit to task with excellent attention to detail, and perform well under pressure to meet time sensitive deadlines as this is frequently not a 9-to-5 environment
- Strong Excel, Word and PowerPoint skills

**Nice-to-have**:

- MBA, professional designation (e.g., CFA, CPA) or a post-graduate degree with a focus in business, economics, finance, or accounting
- 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 Capital Markets credit process and loan agreements
- Knowledge of internal systems such as CCMS, TMS & Newton

**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.
- Ability to make a difference and lasting impact
- Work in a dynamic, collaborative, progressive, and high-performing team
- Opportunities to do challenging work

**Job Skills**

Credit, Financial Analysis

**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**:
PERSONAL & COMMERCIAL BANKING

**Job Type**:
Regular

**Pay Type**:
Salaried

**Posted Date**:
2025-05-28

**Application Deadline**:
2025-06-05

**I**nclusion** and Equal Opportunity Employment**

At 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.

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