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

Job Description

What is the opportunity?
Do you thrive in working in an interactive team environment? Do you have an interest in corporate real estate? Do you have strong written and spoken communication skills?

As an Analyst/Associate in our Real Estate Credit Transaction Management team, you will work closely with our Real Estate Corporate Banking teams in Toronto and New York to support the growth of our real estate lending portfolio, and you will manage a portfolio of real estate clients within the Global Corporate Banking division of RBC Capital Markets. You will also work closely with other groups within Capital Markets and the Bank to deliver a full range of credit and banking services to corporate clients of the Bank.

Please note: This role can be at the Analyst or Associate level, depending on the incumbent's background and skillset.

What will you do?

You will have an assigned portfolio of real estate clients and borrowers, and you will be responsible for the administration of your team's portfolio, which includes major real estate developers, REITs, and other significant real estate lending relationships. Your key responsibilities will include:

• Credit Underwriting & Analysis: Provide underwriting analysis of real estate credit transactions, including origination of new credit facilities, refinancings, renewals, and covenant amendments/waivers, with comprehensive financial and asset-level evaluation of corporate clients. Your responsibilities include: (i) Prepare detailed credit submissions and underwriting memos for submission to commitments committees; (ii) Conduct in-depth financial analysis including review of financial statements, cash flow projections, market trends, and property valuations to support credit decision-making; and (iii) Coordinate with internal partners (Group Risk Management (GRM), Know Your Client (KYC), and Funding and Lending Services) to ensure timely closings.

• Portfolio Transaction Management:  Includes but is not limited to: (i) Review and approve specific drawdown requests; (ii) Develop expertise in assigned portfolio, policies and guidelines, and provide value added advice to internal partners; (iii) Ensure compliance with Bank Policies; and (iv) Participate in team deliverables with respect to regulatory/audit requests.

• Data Integrity: Ensure credit agreement terms are correctly reflected in the Bank’s systems and that all credit documentation is accounted for and reviewed in a timely basis (e.g. credit agreements, amendments, waivers, security documents).

• Other Responsibilities: Completion of ad-hoc projects and other duties (including presenting to key stakeholders) efficiently and effectively in order to support the team’s planned and unplanned demands.

What do you need to succeed?

Must Have's

• Strong academic credentials including completion of a Bachelor's degree in Business, Finance, Economics, Real Estate, or Engineering, mathematics, or any other problem-solving fields.
• You should have one to five years of work experience in a related field, including banking or corporate lending experience, finance and/or risk management, real estate development or investment, or knowledge of structuring and writing of real estate credit proposals, credit processes and policies.
• You are a highly motivated self-starter with keen attention to detail and strong interest in real estate finance and credit.
• You have the ability to read and understand complex legal documents related to real estate transactions, including loan agreements, security documents, and property-related agreements.
• You possess strong credit and analytical skills including the ability to critically assess financial statements, property valuations, market analyses, and other client reports to draw reasoned conclusions and recommend a course of action.
• Your written and verbal communication skills are excellent, with strong negotiation abilities and an ability to manage conflicting demands and viewpoints and multiple stakeholder expectations.
• You work effectively within a team environment and interact well at all levels within a large organization.
• You are able to prioritize, perform well under pressure, and meet time-sensitive deadlines.
• You have strong general PC skills (Excel, Word, and PowerPoint), with proficiency in real estate-specific software or financial modeling tools being a plus.
• Experience with AI models and generative AI tools to enhance analysis and productivity would be highly valuable.

Nice-to-have

• An MBA, CPA, or CFA or other post-graduate degrees with a focus in business, accounting, economics, mathematics, or real estate would be an asset but is not required.
  
  

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.

• Leaders who support your development through coaching,
• Work in a dynamic, collaborative and high-performance team environment, and
• Opportunities to do challenging work and foster strong working relationships with other areas of the bank, including Relationship Managers in Real Estate Corporate Banking, Group Risk Management, Ratings & Monitoring, and Funding and Lending Services, and KYC, amongst others.   

GCREDITRBC

Job Skills

Adaptability, Critical Thinking, Customer Service, Detail-Oriented, Financial Engineering, Financial Statement Analysis, Investments Analysis, Personal Development, Personal Initiative, Teamwork

Additional Job Details

Address:

ROYAL BANK PLAZA, 200 BAY ST:TORONTO

City:

Toronto

Country:

Canada

Work hours/week:

37.5

Employment Type:

Full time

Platform:

CAPITAL MARKETS

Job Type:

Regular

Pay Type:

Salaried

Posted Date:

2026-10-16

Application Deadline:

2026-10-30

Note: Applications will be accepted until 11:59 PM on the day prior to the application deadline date above

Compensation for this position (including salary and discretionary/variable payments) will be determined by factors, including but not limited to candidate's experience, skills, registration status, performance, individual goals, market conditions, and business needs.

Pay Range

The expected pay range for this position is:

$75,000.00 - $100,000.00

The pay range provided is for the primary work location referenced in the Additional Job Details section of this job posting. Pay ranges may differ based on location. If the posting lists multiple job locations, a recruiter can confirm availability of the role and the relevant pay rage for the additional locations listed. RBC supports pay transparency and we strive to ensure all pay ranges are competitive, fair, and equitable.

You have the potential to earn RBC's discretionary variable compensation program which gives you an opportunity to increase your total compensation, provided that business meets its performance targets and you meet your individual goals.

Our Employment Opportunities

At RBC, we are guided by living shared values of Client First, Integrity, Collaboration, Respect and Excellence and winning together as One RBC. We believe an inclusive workplace that has diverse perspectives is core to our continued growth as one of the largest and most successful banks in the world. Maintaining a workplace where our employees feel supported to perform at their best, effectively collaborate, drive innovation, and grow professionally helps to bring our Purpose to life and create value for our clients and communities. RBC strives to deliver this through policies and programs intended to foster a workplace based on respect, belonging and opportunity for all.

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RBC is presently inviting candidates to apply for this existing vacancy. Applying to this posting allows you to express your interest in this current career opportunity at RBC. Qualified applicants may be contacted to review their resume in more detail.