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Job Title Corporate Lending Credit Analyst

Job Description

Corporate Lending Risk Analysts will be placed with our energy team.  The energy team has responsibility for analyzing and rating corporate borrowers to whom RBC extends credit and adjudicating lending transactions from Corporate Banking and National Accounts teams.  We offer a unique opportunity to petroleum engineering students to understand how reserve engineering supports credit analysis.

Week one consists of a training program, following by 15 weeks of meaningful work under the supervision of two mentors. At the completion of your work term, you will understand the corporate lending process and be prepared for your next role in Capital Markets.


What will you do?


As a Corporate Lending Analyst, you will lend support in the following areas:

  • Perform credit analysis on individual borrowers in order to establish borrower risk ratings; includes preparing Risk Assessment Framework (RAFs) which encompasses industry, business and financial risks.
  • Aid industry team members in the preparation of peer group comparisons from both a business and financial perspective in support of the Risk Rating.
  • Develop and maintain financial models (including income, balance sheet and cash flow statements, breakeven analysis and multivariable sensitivity testing).
  • Complete research on behalf of the industry team with respect to industry developments, regulatory changes and other issues as requested.  Provide technical support to the industry team(s) in other functions carried out, particularly in the areas of financial modeling.
  • Assist with transaction flow by reviewing lending transactions from various teams within Capital Markets and Banking lending teams. 
  • Assist in daily monitoring of borrower’s business and financial performance through monitoring of financial and industry information (conference calls, news releases, financial results, etc.), regulatory changes, third party analysis including rating agency publications, and other early warning signals.
  • Provide support on special projects relating to a variety of internal issues (as required).


Contributing to an industry team:

- Students will substantiate borrower risk ratings through both quantitative and qualitative research and analysis.

- Students will support transactions as they proceed through the approval process

- Students will work with managers and senior managers to provide other analytical/project support as required.


Specialist Experience


The role requires a candidate that:

  • has strong verbal & written communication skills;
  • has knowledge and an understanding of financial statement analysis;
  • is highly experienced with Excel, including using Excel as a tool for financial analysis and has an understanding of financial modeling; and has demonstrated research abilities.


The ideal candidate will also:

  • be in the process of completing their MBA, or in 3rd or 4th year of an undergraduate program if the candidate has relevant experience;
  • have  desire to pursue a career in Capital Markets



Please note that all information in this job description is accurate at the time of posting. Please be aware that companies may change details and/or closing dates without notice.

Job Summary

  • Canada
  • Finance
Job Type
  • Full-time
  • Negotiable
28 May 2019
Applications Deadline
20 July 2019

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