Job Description What is the opportunity? RBC is a leading provider of asset based loans for a wide variety of industries and client situations across Canada. As a Portfolio Analyst on the Portfolio Management team for RBC’s Asset Based Lending (“ABL”) business, you will bring your strong financial and risk analysis skills to the table as you become a valuable member of an established and dynamic team You will be responsible for the management of an assigned portfolio of diversified ABL clients that roll into one of RBC’s Corporate Client Group and Canadian Banking books, providing in-depth knowledge of the collateral and lending positions of their clients. You will also be responsible for ensuring credit facilities are in compliance with agreements and policies, providing prompt responses to requests from customers and other RBC units, ensuring bank systems reflect the terms as authorized and assist in the identification of deteriorating risk situations. What will you do? Manage aspects of an assigned ABL portfolio, such as: Coordinate and carry out the collateral management and credit transaction component of an assigned portfolio of Asset Based Lending (ABL) accounts Ensure timely, accurate completion of client uploads to ensure collateral values are correct and to determine client funding availability Ensure availability is accurately calculated, mitigating undue risk by ensuring proper reserves and ineligibles are taken Monitor client's compliance to the terms and conditions of loan and other agreements, assist in completing annual reviews of facilities Ensure periodic and at least quarterly monitoring of all borrowers and identify trends in the financial condition of accounts Complete the analysis of the monthly reporting provided by the borrower to ensure client is operating within ABL requirements Preparation of borrower risk rating submissions for new and existing commercial accounts Assist with the preparation of annual credit reviews where required Responsible for data integrity of accounts in the assigned portfolio, ensuring bank systems are correct Assist in ensuring all supporting documentation is provided in timely fashion Investigate and provide comments daily to Portfolio Management on credit excesses What do you need to succeed? Must Have Bilingualism (English and French) required, as you will regularly serve our clients and do business with RBC partners and/or employees across Canada with English and French speaking needs Undergraduate Degree with a focus in Business, Economics, Accounting, Mathematics or other quantitative fields Demonstrated strong financial analysis and accounting skills through past roles within financial services or internship/co-op experiences Strong Excel skills Detail-oriented with strong organizational skills Ability to prioritize work and manage competing demands from various groups with which ABL interacts Nice to Have CFA/CPA or other relevant professional designation (or working towards) Prior experience in commercial banking or ABL market Strong understanding of loan agreements, field examinations, appraisals and financial reporting Familiarity with RBC credit processes and loan documentation 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. Ability to make a difference and lasting impact Work in a dynamic, collaborative, progressive, and high-performing team Opportunities to do challenging work Job Skills Asset-Based Loans (ABL), Credit, Credit Processes, Detail-Oriented, Financial Analysis, Financial Services, French Language, Microsoft Excel 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: PERSONAL & COMMERCIAL BANKING Job Type: Regular Pay Type: Salaried Posted Date: 2025-11-17 Application Deadline: 2025-12-06 Note: Applications will be accepted until 11:59 PM on the day prior to the application deadline date above Inclusion and Equal Opportunity Employment At 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. Join our Talent Community Stay in-the-know about great career opportunities at RBC. Sign up and get customized info on our latest jobs, career tips and Recruitment events that matter to you. 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 jobs.rbc.com. Royal Bank of Canada is a global financial institution with a purpose-driven, principles-led approach to delivering leading performance. Our success comes from the 84,000+ employees who bring our vision, values and strategy to life so we can help our clients thrive and communities prosper. As Canada’s biggest bank, and one of the largest in the world based on market capitalization, we have a diversified business model with a focus on innovation and providing exceptional experiences to more than 16 million clients in Canada, the U.S. and 34 other countries. Learn more at rbc.com. We are proud to support a broad range of community initiatives through donations, community investments and employee volunteer activities. See how at rbc.com/community-social-impact.
