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About the Role
We are seeking an Analyst or Associate level Collateral Analyst for our financing team, primarily to support the residential mortgage loan business. This role is central to ensuring portfolio integrity, maintaining compliance with our credit framework, and supporting the operational and risk management infrastructure that underpins our warehouse lending activities. This role will serve as a key liaison between collateral management, operations, IT development, and risk management. There will also be an opportunity to participate in the growth of the business by helping to build our capabilities in new products and market sectors.
Responsibilities
- Assist in reviewing all incoming loan collateral against our pre-defined credit box by evaluating loan characteristics and supporting documentation.
- Conduct ongoing surveillance of the active loan portfolio, monitoring for credit deterioration, undue concentration risk, and data defects using monthly servicing data and periodic credit updates.
- Assist in validating and reconciling loan balances, paydowns, and status changes across the portfolio.
- Identify manual workflows and screening logic that are candidates for automation, working closely with the IT development team to audit current processes and assist in the design and testing of automated solutions.
- Assist in the identification, measurement, and monitoring of key risk exposures at the portfolio level, including counterparty, market, and credit risk.
Requirements
- Bachelor's degree in Finance, Economics, Business, or related field
- 2–3 plus years of experience in credit analysis, loan portfolio management, mortgage origination, or related finance function
- Strong Excel proficiency and comfort with data manipulation, validation, and reconciliation
- Ability to work with structured data; familiarity with databases or SQL is a plus
- Excellent attention to detail and a commitment to data accuracy and process discipline
- Clear written and verbal communication skills
- Demonstrated ability to work across teams and manage multiple priorities in a fast-paced environment
- Experience in whole loans and/or securitization analytics (RMBS, or other structured product types)
- Familiarity with or background in mortgage/warehouse lending
- Knowledge of credit rating methodologies or portfolio risk analytics
- Experience with business process automation or requirements gathering for IT projects
- Proficiency in Python, R, or other data analysis tools
Skills
- Bond Trading
- Communication
- Critical Thinking
- Detail-Oriented
- Futures Exchange
- Market Risk
- Options Analysis
- Systems Applications
- Trade Client Reporting
Location
- New York
Work Type
- Full time
Experience Level
- Analyst
- Associate
Education Level
- Bachelor's degree
Salary/Compensations
- $135,000-$200,000
Benefits
- 401(k) program with company-matching contributions
- Health, dental, vision, life, disability insurance
- Paid-time off
- Discretionary variable compensation program
About the Company
- At RBC, we are guided by living shared values of Client First, Integrity, Collaboration, Respect and Excellence and winning together as One 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.
Equal Opportunity
- 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.