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About the Role

The Credit Associate supports credit analysis and portfolio management for middle market clients, involving data analysis, underwriting, and risk assessment. This role may manage a portfolio of lower-complexity loans and collaborates to ensure effective credit operations and maintain high credit quality and compliance standards.

Responsibilities

• Serve middle market clients with annual revenues ranging from $50 million to $1 billion.
• Provide customized credit and banking solutions for various business needs.
• Operate within a relationship-focused model emphasizing risk management and collaboration.
• Perform credit analysis to assess borrower creditworthiness.
• Monitor portfolio performance through periodic reviews and covenant tracking.
• Analyze credit data, market reports, and prepare presentations.
• Support risk management practices and ensure compliance with credit risk appetite.
• Collaborate with team members for effective credit operations.
• Participate in ad-hoc projects.
• Develop underwriting and portfolio management skills, with potential for portfolio ownership.

Requirements

• Bachelor's Degree or equivalent in Finance, Business, or related field.
• Minimum 2 years of progressively increasing credit underwriting and portfolio management experience in relevant industry/industries.
• Intermediate experience in credit management and lending operations, with a strong understanding of risk management principles.
• Desire to build leadership and coaching skills.
• Strong communication and collaboration skills.
• Intermediate analytical skills.
• Industry-specific knowledge and expertise.

Skills

• Credit Analysis
• Portfolio Management
• Data Analysis
• Risk Management
• Collaboration
• Communication
• Analytical Skills

Location

• Onsite

Work Type

• Full-time

Experience Level

• 2+ years

Education Level

• Bachelor's Degree

Salary/Compensations

• $34.55 - $55.19 per hour
• Eligible for bonus and/or commissions

Benefits

• Comprehensive healthcare coverage (Medical, Dental, Vision)
• Generous 401(k) company matching contribution
• Career Development through Tuition Reimbursement and training resources
• Valued Time Away benefits (vacation, sick, volunteer time)
• Specialized health and family planning benefits
• Career Mobility support
• Colleague Resource Groups

About the Company

• City National Bank was founded in 1954 by entrepreneurs for entrepreneurs.
• The company's legacy of integrity, community, and unparalleled client relationships continues today.
• City National is a subsidiary of Royal Bank of Canada, a leading diversified financial services company.

Equal Opportunity

• City National Bank fosters an inclusive environment where all forms of diversity are valued.
• We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sexual orientation, gender identity, national origin, disability, veteran status or other basis protected by law.
• It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment.