Job Description

Come Work with Us!

At RBC, our culture is deeply supportive and rich in opportunity and reward. You will help our clients thrive and our communities prosper, empowered by a spirit of shared purpose.

Whether you\xe2\x80\x99re helping clients find new opportunities, developing new technology, or providing expert advice to internal partners, you will be doing work that matters in the world, in an environment built on teamwork, service, responsibility, diversity, and integrity.

Job Title Associate, Credit Management, CCG



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 verbal communication skills? As an Associate, you will manage an industry-specific portfolio of Corporate Client Group (CCG) Borrowers. 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 credit amendments, annual reviews, reviewing loan documentation, annual risk assessments, 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\xe2\x80\x99s 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, etc.

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:

MBA, professional designation (e.g., CA, CMA, CFA) or a post-graduate degree with a focus in business, economics, finance, or accounting

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 credit process and loan agreements

Knowledge of internal systems such as CCMS, TMS & Newton

What\xe2\x80\x99s 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.

Ability to make a difference and lasting impact

Work in a dynamic, collaborative, progressive, and high-performing team

Opportunities to do challenging work

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Titre de fonction : Associ\xc3\xa9, Gestion du cr\xc3\xa9dit, Grandes entreprises clientes

En quoi consiste l\xe2\x80\x99emploi ?

Vous aimez travailler en \xc3\xa9quipe dans un environnement interactif ? Vous apprenez rapidement ? Vous avez de solides aptitudes en communication verbale et \xc3\xa9crite ? \xc3\x80 titre d\xe2\x80\x99associ\xc3\xa9, vous g\xc3\xa9rez un portefeuille sp\xc3\xa9cialis\xc3\xa9 d\xe2\x80\x99emprunteurs de Grandes entreprises clientes. Il s\xe2\x80\x99agit d\xe2\x80\x99une fonction du bureau interm\xc3\xa9diaire assum\xc3\xa9e en \xc3\xa9troite collaboration avec Grandes entreprises clientes et d\xe2\x80\x99autres partenaires de la Banque pour offrir une gamme compl\xc3\xa8te de services de cr\xc3\xa9dit et de services bancaires aux multinationales et aux autres grandes entreprises avec lesquelles nous faisons affaire.

Quelles seront vos t\xc3\xa2ches ?

G\xc3\xa9rer le risque de cr\xc3\xa9dit associ\xc3\xa9 aux facilit\xc3\xa9s de cr\xc3\xa9dit syndiqu\xc3\xa9es et bilat\xc3\xa9rales et aux marges sur d\xc3\xa9riv\xc3\xa9 d\xc3\xa9tenues \xc3\xa0 des fins de n\xc3\xa9gociation. S\xe2\x80\x99occuper de la pr\xc3\xa9paration des modifications li\xc3\xa9es au cr\xc3\xa9dit, des r\xc3\xa9visions annuelles, de l\xe2\x80\x99examen des documents de pr\xc3\xaat et des \xc3\xa9valuations annuelles du risque, y compris la mod\xc3\xa9lisation de donn\xc3\xa9es financi\xc3\xa8res si n\xc3\xa9cessaire.

Suivre activement le rendement commercial et financier des emprunteurs faisant partie de votre portefeuille en surveillant quotidiennement l\xe2\x80\x99information financi\xc3\xa8re et sectorielle, les faits nouveaux dans la r\xc3\xa9glementation, les mouvements des agences externes d\xe2\x80\x99\xc3\xa9valuation du cr\xc3\xa9dit et les autres indicateurs d\xe2\x80\x99alerte.

D\xc3\xa9celer et \xc3\xa9valuer les risques de d\xc3\xa9t\xc3\xa9rioration au moyen de votre analyse de cr\xc3\xa9dit et, au besoin, proposer un plan d\xe2\x80\x99action \xc3\xa0 votre chef d\xe2\x80\x99\xc3\xa9quipe et \xc3\xa0 votre directeur g\xc3\xa9n\xc3\xa9ral pour prot\xc3\xa9ger les fonds de la Banque.

Assurer la conformit\xc3\xa9 aux conventions de pr\xc3\xaat en v\xc3\xa9rifiant le rendement par rapport aux engagements financiers, aux limites des couvertures par des garanties et \xc3\xa0 la politique de la Banque.

Veiller \xc3\xa0 ce que les syst\xc3\xa8mes bancaires refl\xc3\xa8tent fid\xc3\xa8lement les principales conditions des conventions de cr\xc3\xa9dit et des autres documents li\xc3\xa9s au portefeuille assign\xc3\xa9, en ce qui a trait \xc3\xa0 l\xe2\x80\x99int\xc3\xa9grit\xc3\xa9 des donn\xc3\xa9es.

\xc3\x89tablir des relations et interagir \xc3\xa9troitement avec d\xe2\x80\x99autres unit\xc3\xa9s au sein de l\xe2\x80\x99organisation, comme Grandes entreprises clientes, Gestion du risque, Administration des pr\xc3\xaats mondiaux, les directeurs de service de premi\xc3\xa8re ligne, les directeurs, Gestion de tr\xc3\xa9sorerie, etc.

Que vous faut-il pour r\xc3\xa9ussir ?

Comp\xc3\xa9tences essentielles :

Solides aptitudes techniques et pour l\xe2\x80\x99analyse et le cr\xc3\xa9dit, capacit\xc3\xa9 d\xe2\x80\x99\xc3\xa9valuer de fa\xc3\xa7on critique les \xc3\xa9tats financiers et les autres rapports des clients commerciaux et des grandes entreprises clientes et de tirer des conclusions pertinentes et motiv\xc3\xa9es en vue de recommander un plan d\xe2\x80\x99action

Aptitudes sup\xc3\xa9rieures pour la communication verbale et \xc3\xa9crite, capacit\xc3\xa9 de travailler efficacement au sein d\xe2\x80\x99une \xc3\xa9quipe et d\xe2\x80\x99interagir \xc3\xa0 tous les niveaux au sein d\xe2\x80\x99une grande organisation

Capacit\xc3\xa9 de lire et de comprendre des documents juridiques complexes, d\xe2\x80\x99\xc3\xa9tablir les priorit\xc3\xa9s, de s\xe2\x80\x99atteler \xc3\xa0 la t\xc3\xa2che en portant une grande attention aux d\xc3\xa9tails et de bien travailler sous pression pour respecter des d\xc3\xa9lais serr\xc3\xa9s, notamment en d\xc3\xa9rogeant souvent \xc3\xa0 l\xe2\x80\x99horaire de bureau habituel

Solide connaissance des logiciels Excel, Word et PowerPoint

Comp\xc3\xa9tences souhait\xc3\xa9es :

MBA, titre professionnel (p. ex., CA, CPA, CFA) ou dipl\xc3\xb4me universitaire de deuxi\xc3\xa8me ou de troisi\xc3\xa8me cycle sp\xc3\xa9cialis\xc3\xa9 en affaires, en \xc3\xa9conomie, en finances ou en comptabilit\xc3\xa9

Exp\xc3\xa9rience dans le domaine bancaire en ce qui concerne la gestion relationnelle, le montage et la r\xc3\xa9daction d\xe2\x80\x99offres de cr\xc3\xa9dit, les proc\xc3\xa9d\xc3\xa9s de cr\xc3\xa9dit, les politiques et l\xe2\x80\x99analyse des risques

Capacit\xc3\xa9 de communiquer et de lire des documents juridiques en fran\xc3\xa7ais

Compr\xc3\xa9hension du processus de cr\xc3\xa9dit et des conventions de pr\xc3\xaat de RBC March\xc3\xa9s des Capitaux

Connaissance des syst\xc3\xa8mes internes, comme le Syst\xc3\xa8me de gestion des clients et des cr\xc3\xa9dits (SGCC), le syst\xc3\xa8me de gestion du temps et Newton

Qu\xe2\x80\x99y gagnerez-vous ?

Nous donnons notre pleine mesure, pensons autrement pour poursuivre notre croissance et collaborons afin d\xe2\x80\x99offrir des conseils fiables qui contribueront \xc3\xa0 la r\xc3\xa9ussite des clients et \xc3\xa0 la prosp\xc3\xa9rit\xc3\xa9 des collectivit\xc3\xa9s. Nous nous soucions du bien-\xc3\xaatre de chacun et chacune et aspirons \xc3\xa0 r\xc3\xa9aliser notre plein potentiel, \xc3\xa0 favoriser l\xe2\x80\x99essor des collectivit\xc3\xa9s et \xc3\xa0 contribuer \xc3\xa0 la r\xc3\xa9ussite de tous et toutes.

Occasion d\xe2\x80\x99apporter une contribution importante et d\xe2\x80\x99avoir une influence durable

\xc3\x89quipe dynamique et performante ax\xc3\xa9e sur l\xe2\x80\x99innovation et la collaboration

Occasions de relever des d\xc3\xa9fis

Job Summary

Address: CALGARY, Alberta, Canada

City: CAN-AB-CALGARY

Country: Canada

Work hours/week: 37.5

Employment Type: Full time

Platform: Personal and Commercial Banking

Job Type: Regular

Pay Type: Salaried

Posted Date: 2023-01-04

Application Deadline: 2023-04-14

Inclusion and Equal Opportunity Employment

At RBC, we embrace diversity and inclusion for innovation and growth. We are committed to building inclusive teams and an equitable workplace for our employees to bring their true selves to work. We are taking actions to tackle issues of inequity and systemic bias to support our diverse talent, clients and communities.

We also strive to provide an accessible candidate experience for our prospective employees with different abilities. Please let us know if you need any accommodations during the recruitment process.

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