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Associate Director, Commercial & Wholesale Credit Risk
RBCAdjudicate credit applications and analysis for RBC’s capital markets and corporate clients. Collaborating across business lines while managing competing priorities and financial assessments.
About the role
Key responsibilities & impact- Adjudicate new credit applications and amendment requests within delegated limits and with adherence to RBC procedures
- Perform comprehensive credit analysis via Risk Assessment Framework (“RAF”) submissions to establish, review, and approve changes to Borrower Risk Ratings (“BRR’s”)
- Deliver consistent, timely credit decisions with clear communication of rationale
- Build and maintain close relationships with key internal stakeholders, including front-line credit originators
- Monitor borrower performance through continuous oversight of financial information, regulatory changes, and real estate market dynamics
- Participate in enterprise projects to enhance internal risk frameworks and processes
- Champion efficiency and responsiveness in key risk processes and practices
Requirements
What you’ll need- Comprehensive understanding of financial statements and demonstrated experience in financial analysis
- Advanced communication skills, including a proven ability to present recommendations and influence decision making
- Significant experience with Excel, including using Excel as a tool for financial analysis and the ability to navigate a financial model
- Analytical and curious mindset with the ability to identify key details while filtering out extraneous information
- Ability to deal with obstacles and ambiguity in an environment that can involve competing priorities and tight timelines
- Ability to work collaboratively to develop effective solutions/recommendations
- Previous experience in real estate (financing, valuation, assessment, etc.), corporate lending, credit structuring, and/or finance
- Ability to work under pressure and resolve conflicts effectively.
Benefits
Comp & perks- A team-oriented environment with a focus on learning and development
- Leaders who support your development through coaching and managing opportunities
- Ability to make a difference and lasting impact
- RBC is committed to supporting flexible work arrangements when and where available.
ATS Keywords
✓ Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills & Tools
credit analysisfinancial analysisfinancial modelingRisk Assessment FrameworkBorrower Risk RatingsExcel
Soft Skills
advanced communicationinfluence decision makinganalytical mindsetcollaborative problem solvingability to work under pressure