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Corporate Lending Credit Analyst (Fall 2019 Co-op)

RBC
Reference ID: RBCAA008891742

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Corporate Lending Credit Analyst Co-op

Looking to start your career in Capital Markets? Do you want to understand more about how reserve engineering supports financing decisions? RBC fosters a positive learning environment for students by providing the support and resources to help strategize your career path. Since we opened our doors in 1864, RBC has grown to become one of North America's leading diversified financial services companies.

What is the opportunity?

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.

    What do you need to succeed?

    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


  • Students are requested to submit a current résumé, transcript, and cover letter outlining their interest in this specific co-op opportunity.

    We thank all interested candidates; however, we will only contact those being considered for an interview.

    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.
  • Explore the varied opportunities for career advancement not typically seen as an external applicant.
  • World-class sales training, coaching, and development opportunities.
  • Support from a dynamic, collaborative, progressive, and high performing team, as well as world-class tools and training.
  • Opportunity to achieve great success and potential to grow your career with RBC upon graduation.


  • About RBC
    Royal Bank of Canada is Canada's largest bank, and one of the largest banks in the world, based on market capitalization. We are one of North America's leading diversified financial services companies, and provide personal and commercial banking, wealth management, insurance, investor services and capital markets products and services on a global basis. We have over 80,000 full- and part-time employees who serve more than 16 million personal, business, public sector and institutional clients through offices in Canada, the U.S. and 37 other countries. For more information, please visit rbc.com .

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    Expand your limits and create a new future together at RBC. Find out how we use our passion and drive to enhance the well-being of our clients and communities at rbc.com/careers .

    Inclusion and Equal Opportunity Employment
    RBC is an equal opportunity employer committed to diversity and inclusion. We are pleased to consider all qualified applicants for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, protected veterans status, Aboriginal/Native American status or any other legally-protected factors. Disability-related accommodations during the application process are available upon request.

    Posted: May 23, 2019
    Closes: July 22, 2019