Senior Underwriting Analyst

Job Description

What is the Opportunity?

The Senior Underwriting Analyst 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?

• Review, analyze, approve and underwrite securities-based loan requests within company guidelines.

  • Review personal financial statements, credit reports, US tax returns and calculate 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.

  • Examine 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.

• Review for due diligence, document processing, and financial statements analyses related to transactions and credit approval as applicable.

• Prepare supporting information to be used for credit decision recommendations and approvals.

• Mentor and coach business staff on underwriting guidelines and application of Policy.

• May contact Bankers, Financial Advisors and possibly clients for additional information or documents as needed for the loan request to help maintain current and complete client files.

• Manage NOI (Notice of Incompleteness) and Adverse Action Process.

  • Create and mail letters as per Regulation B.

• Review Annual Reviews weekly for approval within Designated Lending Authority

What do you need to succeed?

Must-have:

• 3+ years of credit underwriting experience

• Knowledge of regulatory compliance requirements for banking and credit including KYC and AML.

• Credit experience working with security-based loans preferred

• Bachelor’s degree or combination of education and experience

Nice to Have:

• 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.

• A comprehensive Total Rewards Program include competitive compensation and flexible benefits, such as 401(k) program with company-matching contributions, health, dental, vision, life, disability insurance, and paid-time off.

• 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

• Opportunities to do challenging work

• Opportunities to build close relationships with clients

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Job Skills

Account Management, Business Oriented, Insurance Finance and Actuarial Concepts, Insurance Industry, Insurance Operations, Insurance Products, Insurance Regulatory Law, Operational Delivery, Product Knowledge, Results-Oriented

Additional Job Details

Address:

8081 ARCO CORPORATE DRIVE:RALEIGH

City:

Raleigh

Country:

United States of America

Work hours/week:

40

Employment Type:

Full time

Platform:

WEALTH MANAGEMENT

Job Type:

Regular

Pay Type:

Salaried

Posted Date:

2026-01-23

Application Deadline:

2026-02-16

Note : Applications will be accepted until 11:59 PM on the day prior to the application deadline date above

I nclusion 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.