Associate, Credit Management - Corporate Client Group

Role overview

Responsibilities

• Manage credit risk for loan facilities and trading derivative lines; prepare credit amendments and annual reviews, review loan documents, and complete annual risk assessments, including financial modeling when required.
• Monitor financial and industry information, regulatory events, external rating agency movements, and other early-warning indicators.
• Analyze deteriorating risk situations and recommend actions to the Team Leader and Director when needed to protect bank funds.
• Verify borrower compliance with loan agreements, financial covenants, margin limits, and bank policy.
• Ensure bank systems accurately reflect key terms and conditions of credit agreements and related documentation for the assigned portfolio.
• Build relationships and work with Corporate Client Group, Risk Management, Global Loans Administration, Service Managers, Cash Managers, and other internal partners.

Must-have qualifications

• Strong credit, analytical, and technical skills, including critical assessment of financial statements and corporate or commercial client reports.
• Professional written and verbal communication skills and ability to work effectively in a team and interact across a large organization.
• Ability to understand complex legal documents, prioritize, maintain attention to detail, and meet time-sensitive deadlines under pressure.
• Strong Excel, Word, and PowerPoint skills.

Nice-to-have qualifications

• Working toward an MBA, CPA, CFA, or a postgraduate degree focused on business, economics, finance, or accounting.
• Previous banking experience in relationship management, credit proposal structuring and writing, credit processes, policies, or risk analysis.
• Ability to communicate and read legal documentation in French.
• Familiarity with RBC Capital Markets credit processes and loan agreements.
• Knowledge of internal systems such as CCMS, TMS, and Newton.

Schedule

• The position is frequently not a 9-to-5 environment and requires meeting time-sensitive deadlines.