Credit Origination Analyst, Client Due Diligence

What is the Opportunity? Credit Origination Analyst, Client Due Diligence, is responsible for facilitating the loan origination and client onboarding process for securities‑based loans. This includes reviewing new or existing credit clients for underwriting, client due diligence, and fulfillment of credit requests. Reviews for both credit and client due diligence run concurrently and produce risk‑based analysis prior to onboarding for the US Domestic Credit Department. What will you do? Credit Origination Support Review and analyze underwriting documents for security‑based loan requests within company guidelines. Complete preliminary due diligence for all necessary documents for loan origination. Application, loan agreement, pledged accounts agreement and financial statement. Prepare supporting information for credit decisions. Communicate with business partners and clients as needed to obtain necessary information and documentation for the loan request. New Account Client Due Diligence Onboarding Review Perform the necessary due diligence to ensure potential new and existing clients meet all the current KYC (Know Your Client) and AML (Anti Money Laundering) requirements, including OGAC/World Check and PEP (Politically Exposed Person) screening, and produce risk‑based analysis prior to onboarding for the US Domestic Credit Department, ensuring 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. Review and analyze the risk rating methodology for new/existing clients, assimilate findings and elevate necessary items to management or compliance as needed for further actions. Comply and provide guidance as to compliance with controls and procedures of Client Due Diligence policy covering all aspects of account opening and maintenance processes. Maintain a working knowledge of AML and OFAC regulations, Banks Secrecy Act, and USA Patriot Act in order to ensure compliance and update internal policies and procedures. What do you need to succeed? These expectations and skill sets help you succeed in this role. Must‑have: 3+ years of credit underwriting experience or 3+ years of financial services experience, with direct experience in AML/KYC/Due Diligence or equivalent discipline. Working knowledge of BSA and AML regulations, client due diligence regulatory requirements and affiliated compliance regulations. Experience in a fast‑paced, high‑volume environment with a strong client service mindset. Knowledge of regulatory compliance requirements for banking and credit, including KYC and AML. Bachelor’s degree or combination of education and related experience. What’s in it for you? A comprehensive Total Rewards Program including bonuses and flexible benefits, competitive compensation, commissions, and stock where applicable. Leaders who support your development through coaching and managing opportunities. Ability to make a difference and lasting impact. Work in a dynamic, collaborative, progressive, and high‑performing team. A world‑class training program in financial services. Flexible work/life balance options. Opportunities to do challenging work. #J-18808-Ljbffr RBC