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Job Description
What is the opportunity?
You will manage an assigned portfolio of Global Corporate 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; 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.
**** Please note: This role can be at an Analyst or an Associate level, depending on the incumbent's background and skillset.****
What will you do?
- Ensure timely preparation of (i) 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); (ii) annual reviews of assigned portfolio and ensuring 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, Credit Analysis & Assessment, 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.
- Manage other projects or assignments as required which will possibly include portfolio reviews where analytical, research, strategic and problem-solving skills are required.
- Keep up to date 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.
- 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 university degree. Other professional designation such as CFA, CPA and / or relevant work experience, will be preferred.
- 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 (Word, PowerPoint, Excel, Outlook) incl 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 maintained, and deliverables are provided
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.
- A comprehensive Total Rewards Program including bonuses and flexible benefits, competitive compensation
- Leaders who support your development through coaching and managing opportunities
- Work in a dynamic, collaborative, progressive, and high-performing team
- Opportunities to do challenging work
- Flexible work/life balance options
Job Skills
Adaptability, Banking, Credit, Critical Thinking, Customer Service, Detail-Oriented, Financial Statement Analysis, Lending, Personal Development, Risk Management, Taking Initiative, TeamworkAdditional Job Details
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