{bc}
indeed

Analyst / Associate - Credit Transaction Management (CTM), Global Credit, Global Corporate Banking

RBC
Toronto, CAN
Full-time
Onsite
Discovered 3 days ago
Real estate credit underwritingFinancial statement analysisFinancial analysis and cash flow projectionsProperty valuation and market analysisCredit submissions and underwriting memosCredit transaction and portfolio management

Full Job Posting

Opportunity

Support the growth of RBC’s real estate lending portfolio as an analyst or associate in Real Estate Credit Transaction Management.

Work with real estate corporate banking teams in Toronto and New York and other Capital Markets and bank groups.

The level, Analyst or Associate, depends on the successful candidate’s background and skillset.

Key Responsibilities

  • Manage an assigned portfolio of real estate borrowers, including major developers and REITs.
  • Underwrite new credit facilities, refinancings, renewals, and covenant amendments or waivers; prepare credit submissions and underwriting memos.
  • Analyze financial statements, cash flow projections, market trends, and property valuations to inform credit decisions.
  • Coordinate transaction closings with Risk Management, KYC, and Funding and Lending Services.
  • Review and approve drawdowns, advise internal partners on portfolio policies, and participate in regulatory and audit requests.
  • Maintain accurate credit agreement terms and documentation in bank systems.
  • Complete ad hoc projects and present to key stakeholders.

Must-Have Qualifications

  • Bachelor’s degree in Business, Finance, Economics, Real Estate, Engineering, mathematics, or another problem-solving field.
  • One to five years of related work experience in banking or lending, finance or risk management, real estate development or investment, or real estate credit processes.
  • Strong credit and analytical abilities, including financial statement, property valuation, and market analysis.
  • Ability to understand complex real estate transaction documents.
  • Strong written and verbal communication, negotiation, teamwork, prioritization, and deadline-management skills.
  • Proficiency with Excel, Word, and PowerPoint.

Preferred Qualifications

  • Proficiency in real estate-specific software or financial modeling tools is a plus.
  • Experience using AI models and generative AI tools to improve analysis and productivity is valuable.
  • An MBA, CPA, CFA, or relevant postgraduate degree is an asset but is not required.

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