Analyst / Associate - RBC, Toronto

About the role

As an Analyst or 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. You will manage a portfolio of real estate clients within the Global Corporate Banking division of RBC Capital Markets, including major real estate developers, REITs, and other significant real estate lending relationships. Please note that this role can be at the Analyst or Associate level, depending on your background and skillset.

Key duties

Your day-to-day responsibilities span credit underwriting, portfolio transaction management, and maintaining data integrity:

• Prepare detailed credit submissions and underwriting memos for submission to commitments committees.
• Conduct in-depth financial analysis including review of financial statements, cash flow projections, market trends, and property valuations to support credit decision-making.
• Coordinate with internal partners including Group Risk Management, Know Your Client, and Funding and Lending Services to ensure timely closings.
• Review and approve specific drawdown requests.
• Develop expertise in assigned portfolio, policies, and guidelines, and provide value-added advice to internal partners.
• Ensure compliance with Bank Policies and participate in team deliverables regarding regulatory and audit requests.
• Ensure credit agreement terms are correctly reflected in the Bank systems and that all credit documentation is accounted for and reviewed on a timely basis.
• Complete ad-hoc projects and other duties including presenting to key stakeholders to support team demands.

What you'll bring

To succeed in this role, you should meet the following qualifications and skills:

• 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.
• 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.
• Highly motivated self-starter with keen attention to detail and strong interest in real estate finance and credit.
• Ability to read and understand complex legal documents related to real estate transactions, including loan agreements, security documents, and property-related agreements.
• Strong credit and analytical skills including the ability to critically assess financial statements, property valuations, market analyses, and other client reports.
• Excellent written and verbal communication skills, with strong negotiation abilities and an ability to manage conflicting demands.
• Ability to work effectively within a team environment and interact well at all levels within a large organization.
• Strong general PC skills including Excel, Word, and PowerPoint, with proficiency in real estate software or financial modeling tools as a plus.
• Experience with AI models and generative AI tools to enhance analysis and productivity.

What's in it for you

At RBC, we provide a dynamic, collaborative, and high-performance team environment along with these advantages:

• Leaders who support your development through coaching.
• 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 and Monitoring, Funding and Lending Services, and KYC.
• Potential to earn through RBC's discretionary variable compensation program to increase your total compensation.

About the employer

At RBC, we are guided by shared values of Client First, Integrity, Collaboration, Respect, and Excellence, winning together as One RBC. We believe an inclusive workplace with diverse perspectives is core to our continued growth as one of the largest and most successful banks in the world, maintaining a workplace where employees feel supported to perform at their best.