Credit Originations Analyst II

RBC - Raleigh, NC4.0

What is the opportunity?

The Credit Origination Analyst II is responsible for facilitating the loan origination process for securities based loans. This includes the review of new credit clients for on-boarding and underwriting and fulfilment of credit requests. Provide feedback and training to less experienced staff on credit origination, department procedures and policies.

What will you do?

Responsible for reviewing, analyzing, approving and underwriting securities based loan requests within company guidelines: Reviewing personal financial statements, credit reports, US tax returns and calculating applicable ratios (i.e. Debt ratios, loan-to-value, debt service, etc.). Analyze employment profile, credit strength, RBC Relationship and all other information pertinent to the credit decision. Maintain knowledge of RBC Lending Policy & Procedures. Examining transactions to ensure accuracy and completeness.
Analyze portfolios to be pledged for new credits and assigns LTV’s as per firm’s policy
Analyze client documents and financial statements to evaluate, and determine appropriate credit structure and terms for potential borrowers
Reviews for due diligence, document processing, and financial statements analyses related to transactions and credit approval as applicable.
Prepares supporting information to be used for credit decision recommendations and approvals.
Able to mentor and coach business staff on underwriting guidelines and application of Policy.
Perform the initial client due diligence to ensure potential new clients meet all the current KYC (Know Your Client) and AML (Anti Money Laundering) requirements.
Ensure the integrity of the client information such as KYC and Source of Wealth is in line with RBC’s risk-appetite and documentation is correct and in good form.
May contact clients for additional information or documents as needed for the loan request to help maintain current and complete client files

What do you need to succeed?


4 year advanced degree from accredited university in Finance, Accounting, Business or equivalent and related experience
5+ years of credit underwriting experience
Experience in a fast paced high volume environment.
Strong Client Service Mindset
Knowledge of regulatory compliance requirements for banking and credit including KYC and AML.
PC literate (Word/Excel/Outlook/Power Point) and proven ability to learn and adapt to in-house credit and other workflow systems


Credit experience working with security based loans. Proven excellence in client service including timely and effective problem resolution
Demonstrated collaboration skills, working in partnerships to create effective outcomes
Ability to meet all work deadlines
Well organized, detail oriented, and extremely accurate
Results Oriented by executing goals within timelines & acceptable risk levels
Strong interpersonal, verbal and written communication skills

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.

Client First: We will always earn the right to be our clients’ first choice
Collaboration: We win as One RBC
Accountability: We take ownership for personal and collective high performance
Diversity & Inclusion: We embrace diversity for innovation and growth
Integrity: We hold ourselves to the highest standards to build trust

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

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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.


City: Raleigh
Address: 8081 Arco Corporate Drive
Work Hours/Week: 40
Work Environment: Office
Employment Type: Regular - U.S.
Career Level: Experienced Hire/Professional
Pay Type: Salaried
Required Travel (%): 0
Exempt/Non-Exempt: Exempt
People Manager: No
Application Deadline: 12/28/2018
Req ID: 174260

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