2025 Summer Student

**Job Summary**

Do you thrive in working in an interactive team environment? Are you a quick learner? Do you have strong written and spoken communication skills? This is a middle office function that works closely with Corporate Client Group (CCG) and other partners within the Bank to deliver a full range of credit and banking services to multinational and other large corporate relationships.

Please note: This posting is for a 4-month **Student**Summer 2025 placement with a start date of May 2025 and end-date of August 2025.

In order to be eligible for this 4-month Student position, you must either:

- Be returning back to school after the work term end-date of August 2025; or
- If you are not returning back to school (i.e. are graduating in April/August 2025), but you require the work term as a mandatory component to in order to graduate successfully.

**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 spoken communication skills? 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 annual reviews, reviewing loan documentation, RAFs (Risk Assessment Framework), 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 and clients, both internal & external

**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**
- 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 field
- 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 & 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.
- 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.

**Job Skills**

Credit Management

**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**:
Student/Coop (Fixed Term)

**Pay Type**:
Salaried

**Posted Date**:
2024-12-24

**Application Deadline**:
2025-01-08

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

At RBC, we embrace diversity and inclusion for innovation and growth. We are committed to